First State Bank Real Estate Loan Rates

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First State Bank
Real Estate Loan Rates

	Interest Rate	Composite APR's
	Interest Rate	15 Year	30 Year
1 yr. Adjustable	5.250%	4.1350%	4.0475%
3-1 yr. Adjustable	5.500%	4.5817%	4.3175%
5-1 yr. Adjustable	5.750%	5.0682%	4.6392%
15 yr. Fixed	6.250%	As of November 20, 2008
20 yr. Fixed	6.375%
30 yr. Fixed	6.375%
FmHA Floating (30 yr)	6.375%
Construction Loan (6 mo.)	7.000%

Farm BASE Real Estate Rate
30% Down, 1 yr. Adjustable	5.500%
30% Down, 3 yr. Adjustable	6.000%
30% Down, 5 yr. Adjustable	6.250%
Commercial BASE Real Estate Rate
30% Down, 1 yr. Adjustable	5.500%
30% Down, 3 yr. Adjustable	6.000%

Special Note:

Rates change daily and weekly. Contact Loan Department for current rates.Residential Loans include fixed and variable rates which will range from 5.00% to 10.233% APR.The annual percentage rate on variable rate loans may increase after consummation.

Loans with less than 20% down are required to have private mortgage insurance.

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