Partner Rates

              October 11, 2011

           Home Mortgage Rates

 The rates and fees for Investment Properties and loan amounts of under $40,000 and more than $417,000 are different*

30   Year Conventional Fixed                   15   Year Conventional Fixed             

      4.125% @ 0 Points *                                 3.375% @ 0 Points *                                                                                                                                               3.750% @ 3 Points *                                 2.875% @ 3 Points *

10 Year Conventional Fixed                          20 Year Conventional Fixed

    3.250% @ 0 Points *                                 3.875% @ 0 Points *                                 

    2.750% @ 3 Points *                                 3.500% @ 3 Points *

JUMBO LOANS: AMOUNTS ABOVE $417,000

30,25,20 Year Fixed                           15,10 Year Fixed

Call for Rates                                       Call for Rates

            ¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨

                     Adjustable Rate Mortgages

1 Year ARM                          3 Year ARM                         5 Year ARM                                                      2.375%@ 0 Points                3.000% @ 0 Points               3.375% @ 0 Points

7 Year ARM                          10 Year ARM

3.750% @ 0 Points                4.125% @ 0 Points

         ¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨

                                                 FHA

 30 Year FHA/VA                                15 Year FHA/VA

 4.250% @ 0 Points                              4.000 @ 0% Points

 3.875% @ 3 Points                              3.625% @ 3 Points

¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨¨

* Mortgages on investment properties are higher!  Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000.

Interested in a Mortgage? Call to talk with our Mortgage Loan Officer today or Apply for a Mortgage Loan Now at:  ingersollrandfcu.mortgagewebcenter.com