*Sample: Pay $2,246.78 per month (excluding taxes & insurance) for 360 months on a $450,000 loan at 3.80% APR with 0.375% closing costs. Income and maximum loan levels apply. Owner occupied properties only. 1-unit properties, condos and planned unit developments; manufactured homes are not eligible. Private Mortgage insurance may be required. For more details, speak with a KeyPoint Loan Officer.