First Federal Savings & Loan
Good Faith Estimate Loan Selection

To calculate a Good Faith Estimate complete each of the following steps.
Those fields marked with an * are required.

Step #1 - Choose one or more loan products by checking the select box to the left of your choices.

Select Description Origination Points Term (Months)

15 Yr. Fixed Rate 0% 180

20 Yr. Fixed Rate 0% 240

30 Yr. Fixed Rate 0% 360

30 Yr Rural Housing 3% 360

3 Yr Balloon 20 Amtz 0% 240

Include Detail

The above rates are based on a Credit Score of 700 and higher.

Rates will be adjusted for Credit Score.

Credit Score	680 - 699	+	0.25%
	660 - 679	+	0.50%
	640 - 659	+	0.75%

"Rates are subject to change without notice"
Rates are updated periodically and reflect a rate indicitative to FFSL offerings.
Your rate can only be locked at application.

*	A.P.R. (Annual Percentage Rate) calculations are based on a $100,000 loan, 20% downpayment, without P.M.I, Funding Fees or pre-paid interest. Individual loan requests may vary.
**	Must meet underwriting guidelines to qualify for financing.

Step #2 - Enter the property value and loan amount. This information is required in order to complete your estimate. (NOTE: Use whole dollar amounts, do not use a $, decimal, or comma.)
*Property Value		*Loan Amount
Step #3 - Check the box if your transaction involves any of the following: Refinance Collateral has additional acreage, additional collateral, manufactured home, or involves construction.
Step #4 - Enter any other information which may effect your estimate. Enter information only in the appropriate fields and leave blank those fields not needed. (NOTE: Use whole dollar amounts, do not use a $, decimal, or comma.)
Hazard Insurance Premium		Earnest Deposit
Annual Property Taxes		Buyers Costs Paid By Seller
		Discount Points Paid By Seller
Survey		Application Deposit
Step #4 - Click the button to calculate your estimate. Be patient, it may take a few seconds to complete the calculations.