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Purchase-Primary Residence	Purchase-Second Home
If your Loan to Value is greater than 80% Mortgage Insurance is required	If your Loan to Value is between 80.01% to 85% Mortgage Insurance is required
If your Loan to Value is 80% or less Mortgage Insurance is NOT required	If your Loan to Value is 80% or less Mortgage Insurance is NOT required

** Our annual percentage rates are based on a loan amount of $100,000 with a 20% down payment and estimated borrower paid finance charges including Flood Certification $9.00, Closing Fee $200, LP Fee $20, Freddie Mac Market Condition Fee $250, 15 days of pre-paid interest, plus Discount and Origination Fee, if applicable. Finance charges may vary depending on loan program. A down payment of less than 20% would require private mortgage insurance, which would increase the APR. The above payments do not include taxes, insurance and mortgage insurance. For information regarding this program, please contact one of our mortgage loan officers at (715) 394-7778. The interest rates indicated as current today are subject to change throughout the day without prior notice.