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Rates	Points	APR
First National Bank offers a variety of loan programs to meet your needs because we know that each borrower has different needs and desires. We work with many of the leading lenders in the industry to provide you with more than 250 different types of loan programs. We offer all standard conforming loan products, Conv., VA, FHA, as well as Rural Development and various other loan programs. If you are not sure just give us a call.

30 Yr. Conforming Conventional Fixed Rate
15 Yr. Conforming Conventional Fixed Rate
30 YR VA Fixed Rate
15 YR VA Fixed Rate
30 YR South Dakota Housing 1st Time Homebuyer Fixed Rate 4.75% (AP% 4.949%)
30 Yr. South Dakota Housing Step Rate 3.75% to 5.75% (APR 5.597%)
30 YR FHA Fixed Rate
15 YR FHA Fixed Rate
30 Year Rural Development Fixed Rate
Rates last updated on Monday, February 15, 2010
30 Yr. Conforming Conventional Fixed Rate Term: 30 years Maximum Amount: $417,000
4.875%	1%	5.03%

15 Yr. Conforming Conventional Fixed Rate Term: 15 years Maximum Amount: $417,000
Rates	Points	APR
4.25%	1%	4.515%

30 YR VA Fixed Rate Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
4.75%	1%	4.936%

15 YR VA Fixed Rate Term: 15 years Maximum Amount: $417,000
Rates	Points	APR
4.5%	1%	4.822%

30 YR South Dakota Housing 1st Time Homebuyer Fixed Rate 4.75% (AP% 4.949%) Term: 30 years Maximum Amount: $204,432
Rates	Points	APR
4.75%	2%	4.949%

30 Yr. South Dakota Housing Step Rate 3.75% to 5.75% (APR 5.597%) Term: 30 years Maximum Amount: $204,432
Rates	Points	APR
3.75%	2%	5.597%

30 YR FHA Fixed Rate Term: 30 years
Rates	Points	APR
4.75%	0%	5.581%

15 YR FHA Fixed Rate Term: 15 years
Rates	Points	APR
4.5%	0%	5.532%

30 Year Rural Development Fixed Rate Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
5%	1%	5.155%


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $150,000 with closing costs of $2,375. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $450,000 with closing costs of $5,375. Your actual APR may be different depending upon these factors.