Mortgage Rates (Effective: 02/03/2012 10:00 AM)

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Conventional Fixed Rate Mortgages
	$75,000 - $99,999		$100,000 - $199,999		$200,000 - $417,000
Term	Rate	APR	Rate	APR	Rate	APR
15 Year	3.125	3.400	3.125	3.398	3.125	3.335
15 Year*	3.375	3.535	3.375	3.495	3.375	3.435
30 Year	3.750	3.930	3.625	3.775	3.625	3.745
30 Year*	4.000	4.090	3.875	3.945	3.875	3.905
*No origination. APRs based on $75,000, $100,000, and $200,000.

Adjustable Rate Mortgages*
Term	Rate	APR
5-1 Year	2.875	3.660
7-1 Year	3.125	3.664
10-1 Year	3.375	3.708
Margin = 2.75, Caps 2/6. Index based on 1-year LIBOR. APR based on $100,000. *Interest rate is subject to increase after consummation

FHA Fixed Rate Mortgage
Term	Rate	APR
30 Year*	3.750	4.700
*No Origination. APR based on $100,000.

Veterans Affairs (VA) Fixed Rate Mortgage
Term	Rate	APR
30 Year	3.750	4.130
APR based on $100,000.

Iowa Financing Authority (IFA) Fixed Rate Mortgage
Term	Rate	APR
30 Year*	3.750	3.890
*No origination. Secondary market fees of 0.75-1.25. APR based on $100,000.

NMLS ID 531586

All prices are for 45-day rate locks for single-family, owner-occupied transactions. Rates based on 740 credit score and 75% loan to value. Rates are subject to change without notice. Origination is 1% of the loan amount unless otherwise noted with no discount points. Veridian is not responsible for typographical errors or omissions. For other loan amounts, terms, and rates, contact a Veridian Mortgage Lender. Additional disclosures available at our Mortgage Center.

For more information please call (800) 235-3228 or visit our Mortgage Center.