1 40-year term also available. 75% max LTV
2    Rates effective March 2009.
3    Based on the 12MAT Index plus .50%: x.xxx% for the first 6 months (x.xxx.%) APR); 12 MAT index (currently x.xxx%) plus pro-rata margin (if applicable) for amounts borrowed in excess of $650,000, thereafter. Interest rates and APR are subject to change.
4    For any employee employed by the Bank for less than one year, a loan origination fee of 1% of the loan shall be charged, and thereafter refunded upon achievement of such employee’s one year anniversary. All other costs charged to borrower.
5     For illustrative purposes only. Actual savings may vary depending on loan terms (e.g. interest rate, loan amount, LTV, credit score, etc.). The first year savings are based on no loan origination fee and the interest rate difference between an adjustable rate loan versus an employee loan.
6    Total interest savings represents the difference of the finance charge paid over the life of the loan between the adjustable loan calculated at $xxx,xxx, and the First Fed Employee Loan calculated at $xxx,,xxx. The finance charge paid over the life of the loan does not include loan fees and assumes the interest rate does not change even though interest rate is adjustable
To learn more, contact Tony Bosshardt, Consumer Lending (310) 302-5753