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Whether you’re looking to reduce your monthly payment or take cash out of your home for bills or debt consolidation, LAFCU has a great offer for you!


7/1 Adjustable Rate Mortgage Features:


• Fixed rate for fi rst 7 years, variable for remaining 23 years • Conforming loan programs ($500,550) and jumbo programs available • Up to 80% loan to value - owner occupied or 2nd home - NO PMI required • 2% annual cap, 5% lifetime cap, 5% interest rate fl oor • Review period - 12 months • No negative amortization • We service all of our mortgages


Refi nance with No Points and No Fees OR Refi nance with a lower rate. 7/1 Adjustable Rate Mortgage


7/1 Adjustable Rate Mortgage No Points, No Fees One Point, Closing Costs


Refi nance your existing mortgage to SAVE. Contact a Real Estate Consultant at (800) 231-1626, ext. 7102.


*APR=Annual Percentage Rate. Conforming rates shown as of 3/01/12. Rate can change at anytime, lock today. Please call LAFCU for jumbo rates. Representative example assumes a loan of $275,000: Adjustable rate mortgage will have 360 monthly payments and the rate and payment may increase after the initial fi xed rate period: 7/1 loan at a rate of 3.250% will have payments of $1,196.82. Participation in any real estate loan program will not be confi rmed until the completed application has been submitted to the Real Estate


Department. All requests will be processed and must meet LAFCU’s underwriting guidelines. Funding of these loans is subject to credit approval and verifi cation of employment, equity and all other related fi le documentation necessary to qualify applicant(s). All LAFCU mortgages are available for owner occupied dwellings located in California, Nevada, Utah, Arizona, Oregon, Washington, Idaho, Montana, Colorado, and Texas. Second trust deed products are not available in Texas.


Funds on deposit are insured up to $500,000 per account. This institution is not federally insured, and if the institution fails, the Federal Government


does not guarantee that depositors will get back their money. Accounts with this institution are not insured by any state government.


815 Colorado Boulevard, Los Angeles, CA 90041 • 800.231.1626 • www.lafi recu.org


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