
Internet Banking :

Home Equity & Home Equity Line of Credit

Establish a line of credit based on the equity in your home!

Ideal for large purchases -- college tuition, autos, RVs, home improvements, etc.
Borrow up to 90% of equity in your home.
All terms have a 5 year draw period before reevaluation.
Interest may be tax deductible

Term	Closed End Fixed Annual Percentage Rate
5 Year	6.50% - 10.50%
10 Year	7.00% - 11.00%
15 Year	7.50% - 11.50%

Repayment	Line of Credit Variable Annual Percentage Rate
$2.00 per hundred	6.00% - 10.00%
$1.25 per hundred	6.50% - 10.50%
$1.00 per hundred	7.00% - 11.00%

Rates effective January 1, 2009, subject to change. Individual rate is determined by credit scores,
subject to loan approval. Consult with a Service FIrst Loan Representative for details and qualification criteria.

The Department of Housing and Urban Development (HUD) has adopted a final rule that establishes minimum mortgage loan originator licensing standards that states must follow in implementing the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act. In order to engage in the business of a loan originator, our employees are required to register with the Nationwide Mortgage Licensing System and Registry (NMLSR) and obtain a unique identifier. These identifiers are listed next to the names of the employees below.

Rebecca Grasma -NMLS#791803
Hilda Gonzalez -NMLS#8020887
Angie Jongeling -NMLS#802902
Amy Knight -NMLS#802982
Kris Larson - NMLS#802942
Angela McCormick - NMLS#802911
Justin Peterson - NMLS#802969
Ludmila Schanzenbach - NMLS#802957
Jessica Taggart - NMLS#802975
Crystal Wilson - NMLS#803030
Brandon Wipf - NMLS#802996