Mortgage Rates

TERM	INTEREST RATE	DISCOUNT POINTS
Mortgage rates effective 7/01/2009. Quoted rates are for loan amounts $150,000.00 and above in Maryland. Please call the 1st mortgage department for lower loan amounts or PA properties. 1% origination fee paid at closing. Mortgages can be locked for 60 days. Loans for amounts under $417,000. Mortgages have a floor of 4%. Rates may change without notice at any time.
30 year, fixed rate	5.375 %	Discount Points may apply.
15 year, fixed rate	4.750 %	Discount Points may apply.
Please call the First Financial Loan Call Center at 410-321-6060, ext. 773 for more information.

DETAILS
Mortgage rates effective 01/08/2009. 1% origination fee paid at closing. Mortgages can be locked for 60 days. Loans for amounts under $417,000. Rates may change without notice at any time.
Introductory Rate:	4.0 %
Current ARM rate, calculated as the prime rate minus 2%, but no less than 4%:	4.00 %
Maximum rate change per year:	1%
Maximum rate change over the life of the mortgage:	4%

This is a 30 year, adjustable rate. The adjusted rate is based on the prime interest rate as published in the Wall Street Journal's listing of "Money Rates" minus 2.0%, but will not be less than 4.0%. There is an application fee which consists of the cost of the appraisal, credit report and flood certification, a closing fee of $250.00, and an origination fee of 1% of the loan amount. There are no discount points. Please call the First Financial Loan Call Center at 410-321-6060, ext. 773 for more information.

TERM	INTEREST RATE	DISCOUNT POINTS
Rates effective 06/30/2009. 80% Loan to Value. If not primary residence, add 1% to the rate, up to 80% max LTV. Loans for amounts under $417,000. Rates may change without notice at any time. Mortgages have a floor of 4%. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Call Loan Call Center for information and fees.
15 year, fixed rate	5.500%	no points
10 year, fixed rate	5.500%	no points
7 year, fixed rate	5.250%	no points
5 year, fixed rate	5.250%	no points

TERM	INTEREST RATE	DISCOUNT POINTS
Rates effective 06/30/2009. 80% Loan to Value. If not primary residence, add 1% to the rate and up to 80% max LTV. Loans for amounts under $417,000. Mortgages have a floor of 4%. Rates may change without notice at any time. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Call Loan Call Center for information and fees.
10 year, fixed rate mortgage. Payments are based on 30 year amortization.	5.500%	no points
7 year, fixed rate mortgage. Payments are based on 30 year amortization.	5.250%	no points
5 year, fixed rate mortgage. Payments are based on 30 year amortization.	5.250%	no points

TERM	INTEREST RATE	DISCOUNT POINTS
Rates effective 06/30/2009. 70% Loan to Value. If not primary residence, add 1% to the rate and up to 70% max LTV. Mortgages have a floor of 4%. Rates may change without notice at any time. Rates quoted are for qualified members and reflect discount for repayment through automatic means. Call Loan Call Center for information and fees.
10 year, fixed rate mortgage. Payments are based on 30 year amortization.	7.00%	no points
7 year, fixed rate mortgage. Payments are based on 30 year amortization.	6.75%	no points
5 year, fixed rate mortgage. Payments are based on 30 year amortization.	6.75%	no points

The Fair Housing Act prohibits discrimination in housing based on color, race, religion, national origin, sex, familial status, or disability.

First Financial Federal Credit Union of Maryland is an equal housing lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.