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Ozarks Federal Savings & Loan


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Loan Rates


Rates Effective as of May 1, 2008
Adjustable Rate Mortgage Loans
Primary Residence Rate APR*
1 Year – Maximum Term 30 Years 5.95% 7.396%
1% Cap per adjustment – 5% Lifetime Cap
Rate adjusted annually with COFI.

2 Year – Maximum Term 30 Years 6.25% 7.470%
1% Cap per adjustment – 5% Lifetime Cap.
Rate adjusted every two years with COFI.

3 Year – Maximum Term 30 Years 6.75% 7.569%
2% Cap per adjustment – 5% Lifetime Cap.
Rate adjusted every three years with COFI.

Fixed-For-Five – Maximum Term 30 Years 7.00% 6.704%
2% Cap per adjustment – 6% Lifetime Cap.
Fixed rate for five years, then adjusted annually with T-Bill Index.

*Click here for product details

No appraisal fees, no origination fees, no lender closing fees, no courier fees, no underwriter’s fees.
No prepayment penalty. Construction Loans: 2% prepayment charge if paid off in first 5 years.

Adjustable Rate Mortgage Loans
Non-Owner Occupied and
Second Residence
Rate APR*
1 Year – Maximum Term 30 Years 6.95% 6.642%
2% Cap per adjustment – 6% Lifetime Cap. 1 point on closing. Rate adjusted with T-bill index.

Commercial Property
   
Rate and terms determined by our Loan Committee.

Home Equity Line Of Credit
Primary Residence    
<= 80% Loan-to-value with current mortgage balance. Wall Street Prime + 1%
> 80% to 85% Loan-to-value with current mortgage balance. Wall Street Prime + 2%
*Click here for product details

Fixed Rate Home Improvement and
Consumer Loans

   
See loan officer for rates and terms.

* Annual percentage rates based on a $100,000 loan with a term of 30 years.
Terms and Conditions: Rates are based upon an 80% Loan-To-Value, $100,000 loan amount, 30-year term. Loan-To-Values above 80% could require Mortgage Insurance and will increase the APR. The APR calculation is based on 15 days pre-paid interest. P & I refers to the principal and interest portion of the total monthly payment. Taxes and insurance vary according to property location, and along with any Mortgage Insurance premium are added to principal and interest to arrive at the total monthly payment. The 30-year ARM, APR, and principal and interest are based on 360 monthly payments. Depending on ARM program, interest may be calculated at a premium or a discount rate.
Rates are subject to change due to market conditions.