*Advertised 4.99% rate is the “as low as” standard interest rate and includes 0.25% rate discount for having at least (1) direct deposit into Honor Credit Union checking account per month. Annual Percentage Rate (APR) on a standard 4.99% interest rate based on 5-year balloon loan with a 30year amortization would is 5.166%. The rates shown reflects a $175,000 loan amount, estimated closing costs of $2,870, with a loan to value of 80% or less and a credit score of 730 or above. Payment Example: The monthly payment schedule on a loan amount of $175,000 based on 5.166% APR would be: $938.97. If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Promotional rates are valid on purchase and refinances. Subject to credit approval. Rates, terms and conditions subject to change. Your interest rate and repayment terms will be based on your individual credit history, property values, and other qualifying factors that may be different than rate quoted above. Loans with less than 20% down payment may require private mortgage insurance. Other restrictions may apply. Offer cannot be combined with any other discounts or promotions. Limited time offer. Equal Housing Opportunity. Insured By NCUA. **$1,000 Closing Guarantee is based on the mortgage loan closing in 30 days or less of the application date with Honor Credit Union. The guarantee is only available on approved purchase mortgage loans. The fully executed purchase agreement, all addendums, and all requested initial supporting documentation must be provided by the borrower no less than two (2) business days after receipt of application. All conditional supporting documentation must be provided by the borrower no less than one (1) business day after requested. Closing guarantee is not applicable if: a. borrower changes loan products or terms, b. closing is delayed due to the borrower’s, seller’s, or realtor’s failure to close on time, c. borrower or seller fail to meet