First Heritage Financial, LLC

Cash out refinance mortgages may be subject to a rate and/or fee adjustment. A mortgage counselor will determine if this adjustment applies to your mortgage

Rates Effective: 7-3-2009

Term Points Conv. Jumbo

30 Year 0 Points 5.750% N/A

30 Year 3 Points 5.125% N/A

15 Year 0 Points 5.125% N/A

15 Year 3 Points 4.500% N/A

40 Year 0 Points 6.250% N/A

40 Year 3 Points 5.750% N/A

Type 1 Year 3 Year 5 Year

ARM 4.750% 5.500% 5.750%

Type 7 Year 10 Year

ARM 6.000% 6.375%

These rates are for conventional mortgage loan amounts between $60,000 and $417,000. For other mortgage amounts please call a loan counselor - 215-969-2823 or 800-808-2662.

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