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*Annual Percentage Rate (APR). Loans and origination services are provided by First Choice Loan Services, Inc. Rates quoted are effective as of and are subject to change at any time without prior notice. Your rate may vary based on your occupancy, property type, property state, equity, loan amount or credit score.  Not all customers will qualify for the APR examples presented below.

¹30-Year Fixed Rate Mortgage Example: A $206,250 home financed at % Annual Percentage Rate (APR) with 20% down results in a loan amount of $165,000 repaid in 360 equal monthly payments of $. If the down payment is less than a 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance and the actual obligation will be greater. Subject to credit and property approval.

² 30- Year Fixed Rate FHA and VA Mortgage Example: A $167,200 home financed at % Annual Percentage Rate (APR) with 3.5% down and upfront MIP of % rolled in results in a loan amount of $165,000 repaid in 360 equal monthly payments of $. FHA loans require both an upfront MIP and an annual mortgage insurance premium that vary based on loan program, loan purpose, loan-to-value (LTV) ratio and loan term. For the FHA loan above a mortgage insurance payment has been added to the monthly principle and interest payment. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance and the actual obligation will be greater.  Subject to credit and property approval.

³20-Year Fixed Rate Mortgage Example: A $206,250 home financed at % Annual Percentage Rate (APR) with 20% down results in a loan amount of $165,000 repaid in 240 equal monthly payments of $. If the down payment is less than a 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance and the actual obligation will be greater. Subject to credit and property approval.

⁴15-Year Fixed Rate Mortgage Example: A $206,250 home financed at % Annual Percentage Rate (APR) with 20% down results in a loan amount of $165,000 repaid in 180 equal monthly payments of $. If the down payment is less than 20%, mortgage insurance may be needed, which will increase monthly payment and APR. The payment amount does not include costs associated with escrow for property taxes or homeowners insurance and the actual obligation will be greater. Subject to credit and property approval.

⁵30- Year Fixed Jumbo Mortgage Example: A $580,000 home financed at % Annual Percentage Rate (APR) with 25% down results in a loan amount of $435,000 repaid in 360 monthly payments of $. Escrows for property taxes or homeowners insurance are not required and the actual obligation will be greater.  Subject to credit and property approval.

⁶15- Year Fixed Jumbo Mortgage Example: A $580,000 home financed at % Annual Percentage Rate (APR) with 25% down results in a loan amount of $435,000 repaid in 180 monthly payments of $. Escrows for property taxes or homeowners insurance are not required and the actual obligation will be greater. Subject to credit and property approval.

⁷5/1 Adjustable Rate Mortgage (ARM) Example: This is a variable rate product and rates may change after consummation. A $220,000 home financed at a rate of % with 25% down results in a loan amount of $165,000 repaid in 60 monthly payments of $ followed by 300 monthly payments of $ at %. Escrows for property taxes or homeowners insurance are not required and the actual obligation will be greater. Subject to credit and property approval.

⁸5/1 Jumbo Adjustable Rate Mortgage (ARM) Example: This is a variable rate product and rates may change after consummation. A $580,000 home financed at a rate of % with 25% down results in a loan amount of $435,000 repaid in 60 monthly payments of $ followed by 300 monthly payments of $ at %. Escrows for property taxes or homeowners insurance are not required and the actual obligation will be greater. Subject to credit and property approval.

⁹Annual Percentage Rate (APR), Loans and origination services are provided by First Choice Loan Services, Inc. APR quoted is effective as of , and is subject to change at any time without prior notice. Your APR may vary based on your occupancy, property type, property State, equity, loan amount, or credit score. Not all customers will qualify for this APR. The APR for a Home Equity Line of Credit (HELOC) is based on the interest rate alone and will not reflect any closing costs and other fees and charges. The APR is based upon the Wall Street Journal Prime Rate of % as of , plus or minus a margin. APR will vary with the Prime Rate on no more than a monthly basis, but the margin added to the Prime Rate will not change over the term of the line and the APR will not exceed 18% in all States except NC, which is 16%. APR's include a discount of 0.25% for drawing or transferring a balance of $25,000 or more at closing. APR's will be higher if discount is not selected. Home Equity Lines of Credit have a $49.00 annual fee. The Borrower must carry property insurance (and may be required to carry flood insurance) on the property that secures the Home Equity Line of Credit. Minimum Home Equity Line amount required is $25,000. Program is not available in the following States: AK, HI, IA, MI, OH, TX and WV. Program may change at any time without notice. The Program has two options to fully or partially offset closing costs for qualified borrowers: the No Closing Cost Option⁷ and the HELOC Closing Cost Credit Option⁸. Borrowers who close their account and pay off their outstanding balance in full within 36 months of the date upon which their HELOC is opened will be required to pay an early closure fee of the greater of $1,000, all lender paid closing costs, or the maximum allowed under borrower's State law. Closing costs typically range between $1,000 and $2,000 unless in NY, MD or VA. Some NY, MD or VA borrowers may be responsible for additional costs which commonly include tax assessments estimated to range between $750 - $5,000. Any additional costs may be advanced from the line of credit at closing, subject to terms of the credit agreement and property approval.

¹⁰No Closing Cost Option:  First Choice will provide a credit for closing costs for a Home Equity Line of Credit when the qualified borrower selects the No Closing Cost Option. The following closing costs, if applicable, are covered by this feature: appraisal, credit report, appraisal review, tax service, flood certificate, MERS, title search, title insurance, document preparation, closing fee, recording fee or courier fee. The maximum Home Equity line amount to qualify for the No Closing Cost Option is $200,000 for first liens and $100,000 for second liens. Borrowers must draw or transfer a balance of $25,000 or more at closing for the No Closing Cost Option to apply. The No Closing Cost Option is not available for purchase transactions. The maximum combined-loan-to-value ratio to qualify for the No Closing Cost Option is 70%. First Choice will provide the appraisal company, title company, and any other third parties needed to close the loan. All other terms and conditions for First Choice Home Equity Lines of Credit apply. Option may change at any time without notice. The No Closing Cost Option may not be used with any other First Choice closing cost credit or promotion and is only available in the following States: AL, CO, KS, ME, MD, MN, NJ, NM, NC, PA, SC, VA, VT, WA, WI and WY.

¹¹HELOC Closing Cost Credit Option: For qualified borrowers who do not select or do not qualify for the No Closing Cost Option¹⁰, First Choice will provide a credit up to $1,000 (up to $2,500 in NY) at closing to offset closing costs for a Home Equity Line of Credit. An appraisal fee and credit report fee with total costs that range between $400 - $500 will be collected at time of application. The appraisal fee and credit report fee are non-refundable if a borrower does not close their Home Equity Line of Credit with First Choice. All other terms and conditions for First Choice Home Equity Lines of Credit apply. Option may change at any time without notice. The HELOC Closing Cost Credit Option may not be used with any other First Choice closing cost credit or promotion.