ADVERTISEMENT GREAT LOW MORTGAGE RATE!

Your Mortgage, Your Way! Incredibly Low Rates

Adjustable-Rate Mortgages Fixed Rate & VA Fixed Mortgages Available on second homes too!

APPLY TODAY PenFed.org/Mortgage215 • 800-616-6600

For purchase transactions, the rate cannot be locked until PenFed has received a ratified purchase agreement. Investment properties not eligible for offers. The application of points will be determined by the loan-to- value (LTV) ratio combined with certain representative credit scores. Points also apply to certain cash-out refinance transactions, certain condominium transactions, and some transactions with subordinate financing. The applicant is responsible for the following fees and costs at the time of closing: Origination fee, appraisal fee, tax service fee, title fees, transfer tax fees, credit report fee, flood cert. fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment. Other cost may be included due to program specific circumstances. This is not intended to be an all-inclusive list. Additional terms & conditions apply. Federally insured by the NCUA.

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