HOME LOAN COMPARISON

DATE
AMOUNT

9/1/2012
$200,000

INTEREST RATE COMPARISON

UP-FRONT COSTS

4%
3%
2%
1%

$5000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

0%

#
4
3
1
2

Bank
Bank
Bank
Bank

TYPE
Adjustable
Adjustable
Fixed
Fixed

TERM
5
7
30
15

1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

POINTS
2.00
2.00
1.75
1.50

$200

$400

$600

$800

$1000

$5000
$4000
$3000
$2000
$1000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

YEARLY CAP
2.00
2.00

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$6000

$1600

[CELLRANGE]

$0

INTEREST RATE COMPARISON

$1400

MONTHLY PAYMENTS

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP-FRONT COSTS
$5000

$1200

$ POINTS
$ CLOSING
UP FRONT
PAYMENT
YEAR-1 CAP
$4,000.00
$1,000.00
$5,000.00
$790.24
5.00
$4,000.00
$750.00
$4,750.00
$803.30
5.00
$3,500.00
$500.00
$4,000.00
$898.09
$3,000.00
$1,200.00
$4,200.00
$1,369.17

$6000

0%

4%

APR
3.338%
3.252%
3.755%
3.291%

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

RATE
2.500%
2.625%
3.500%
2.875%

$0

4%

2%

[CELLRANGE]
[CELLRANGE]

$6000

0%

3%

[CELLRANGE]

$0

YEARS AMORTIZED
30
30
30
15

INTEREST RATE COMPARISON

4%

2%

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

$0

BANK
Woodgrove
Woodgrove
Woodgrove
Woodgrove

3%

MONTHLY PAYMENTS

$6000

$200

$400

MONTHLY PAYMENTS

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP
5.00
5.00

4%
3%
2%
1%

BANK

TYPE

[CELLR
ANGE] [CELLR
[CELLR
[CELLR
ANGE]
ANGE] ANGE]

0%

TERM

YEARS AMORTIZED
$6000
$5000
$4000
$3000
$2000
$1000

INTEREST RATE COMPARISON

2%
1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

0%

$ CLOSING

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP FRONT

PAYMENT

$5000
$4000
$3000
$2000
$1000

[CELLRANGE]
$200

$400

$600

$800

$1000

$4000
$3000
$2000
$1000
$0

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$5000

YEARLY CAP

[CELLRANGE]

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS

$6000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

YEAR-1 CAP

[CELLRANGE]

$0

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

$ POINTS

[CELLRANGE]

$0

4%

2%

POINTS

$6000

0%

3%

APR

$0

4%
3%

RATE

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP

HOME LOAN COMPARISON

DATE
AMOUNT

9/1/2012
$200,000

INTEREST RATE COMPARISON

UP-FRONT COSTS

4%
3%
2%
1%

$5000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

0%

#
4
3
1
2

Bank
Bank
Bank
Bank

TYPE
Adjustable
Adjustable
Fixed
Fixed

TERM
5
7
30
15

1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

POINTS
2.00
2.00
1.75
1.50

$200

$400

$600

$800

$1000

$5000
$4000
$3000
$2000
$1000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

YEARLY CAP
2.00
2.00

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$6000

$1600

[CELLRANGE]

$0

INTEREST RATE COMPARISON

$1400

MONTHLY PAYMENTS

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP-FRONT COSTS
$5000

$1200

$ POINTS
$ CLOSING
UP FRONT
PAYMENT
YEAR-1 CAP
$4,000.00
$1,000.00
$5,000.00
$790.24
5.00
$4,000.00
$750.00
$4,750.00
$803.30
5.00
$3,500.00
$500.00
$4,000.00
$898.09
$3,000.00
$1,200.00
$4,200.00
$1,369.17

$6000

0%

4%

APR
3.338%
3.252%
3.755%
3.291%

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

RATE
2.500%
2.625%
3.500%
2.875%

$0

4%

2%

[CELLRANGE]
[CELLRANGE]

$6000

0%

3%

[CELLRANGE]

$0

YEARS AMORTIZED
30
30
30
15

INTEREST RATE COMPARISON

4%

2%

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

$0

BANK
Woodgrove
Woodgrove
Woodgrove
Woodgrove

3%

MONTHLY PAYMENTS

$6000

$200

$400

MONTHLY PAYMENTS

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP
5.00
5.00

4%
3%
2%
1%

BANK

TYPE

[CELLR
ANGE] [CELLR
[CELLR
[CELLR
ANGE]
ANGE] ANGE]

0%

TERM

YEARS AMORTIZED
$6000
$5000
$4000
$3000
$2000
$1000

INTEREST RATE COMPARISON

2%
1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

0%

$ CLOSING

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP FRONT

PAYMENT

$5000
$4000
$3000
$2000
$1000

[CELLRANGE]
$200

$400

$600

$800

$1000

$4000
$3000
$2000
$1000
$0

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$5000

YEARLY CAP

[CELLRANGE]

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS

$6000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

YEAR-1 CAP

[CELLRANGE]

$0

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

$ POINTS

[CELLRANGE]

$0

4%

2%

POINTS

$6000

0%

3%

APR

$0

4%
3%

RATE

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP

HOME LOAN COMPARISON

DATE
AMOUNT

9/1/2012
$200,000

INTEREST RATE COMPARISON

UP-FRONT COSTS

4%
3%
2%
1%

$5000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

0%

#
4
3
1
2

Bank
Bank
Bank
Bank

TYPE
Adjustable
Adjustable
Fixed
Fixed

TERM
5
7
30
15

1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

POINTS
2.00
2.00
1.75
1.50

$200

$400

$600

$800

$1000

$5000
$4000
$3000
$2000
$1000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

$4000
$3000
$2000
$1000

YEARLY CAP
2.00
2.00

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$6000

$1600

[CELLRANGE]

$0

INTEREST RATE COMPARISON

$1400

MONTHLY PAYMENTS

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP-FRONT COSTS
$5000

$1200

$ POINTS
$ CLOSING
UP FRONT
PAYMENT
YEAR-1 CAP
$4,000.00
$1,000.00
$5,000.00
$790.24
5.00
$4,000.00
$750.00
$4,750.00
$803.30
5.00
$3,500.00
$500.00
$4,000.00
$898.09
$3,000.00
$1,200.00
$4,200.00
$1,369.17

$6000

0%

4%

APR
3.338%
3.252%
3.755%
3.291%

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

RATE
2.500%
2.625%
3.500%
2.875%

$0

4%

2%

[CELLRANGE]
[CELLRANGE]

$6000

0%

3%

[CELLRANGE]

$0

YEARS AMORTIZED
30
30
30
15

INTEREST RATE COMPARISON

4%

2%

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

$0

BANK
Woodgrove
Woodgrove
Woodgrove
Woodgrove

3%

MONTHLY PAYMENTS

$6000

$200

$400

MONTHLY PAYMENTS

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP
5.00
5.00

4%
3%
2%
1%

BANK

TYPE

[CELLR
ANGE] [CELLR
[CELLR
[CELLR
ANGE]
ANGE] ANGE]

0%

TERM

YEARS AMORTIZED
$6000
$5000
$4000
$3000
$2000
$1000

INTEREST RATE COMPARISON

2%
1%

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

0%

$ CLOSING

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

UP FRONT

PAYMENT

$5000
$4000
$3000
$2000
$1000

[CELLRANGE]
$200

$400

$600

$800

$1000

$4000
$3000
$2000
$1000
$0

$1200

$1400

$1600

MONTHLY PAYMENTS
[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

UP-FRONT COSTS
$5000

YEARLY CAP

[CELLRANGE]

$200

$400

$600

$800

$1000

$1200

$1400

$1600

MONTHLY PAYMENTS

$6000

[CELLR
[CELLR
[CELLR [CELLR ANGE]
ANGE]
ANGE]
ANGE]

YEAR-1 CAP

[CELLRANGE]

$0

UP-FRONT COSTS

INTEREST RATE COMPARISON

1%

$ POINTS

[CELLRANGE]

$0

4%

2%

POINTS

$6000

0%

3%

APR

$0

4%
3%

RATE

[CELLRANGE]

[CELL [CELL
RANG RANG [CELL [CELL
RANG RANG
E]
E]
E]
E]

[CELLRANGE]
[CELLRANGE]
[CELLRANGE]
$0

$200

$400

$600

$800

$1000

$1200

$1400

$1600

LIFETIME CAP