Benefits:                                                Reduced monthly principal  and interest payments. Up to 125% LTV. No maximum CLTV.

No minimum credit score requirement if borrower’s principal and interest payment does not increase by more than 20%.

Mortgage insurance is not required if your existing loan does not have mortgage insurance.

High balance loan amounts are eligible.

Primary, second home and investment properties are eligible.

FLEXIBLE TERMS:                                          Fixed- or adjustable-rate options.                        15-, 20-, 25- and 30-year terms.
5/1 Libor ARM.

ELIGIBLE PROPERTY TYPES                          1- to 4-unit properties.
Freddie Mac-eligible condos.
Planned unit developments.

Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions
may apply. 1209