A loan of $200,000 with a 6.86% APR would have the following payment with the following terms:

• 30-year mortgage would have 360 monthly payments of $1,311.85 each.

A loan of $200,000 with a 7.09% APR would have the following payment with the following terms:

• 15-year mortgage would have 180 monthly payments of $1,807.74 each.

Amounts may be rounded up or vary depending on rates at the time of qualification. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.

Example of rates and payments as of May 30, 2006.