Homeownership Isn't Just a Dream Choose from a variety of home loans to suit your budget. Apply online and get approved in hours. Call us for questions and details 800.347.2228 ext. 4502. (Disclosures)

40-Year Fixed Loans NOW available!
Lock in today's rates with stable and fixed monthly payments.
• No prepayment penalty

3-Year Reprice Home Loans
• Lower Closing cost
• Locked rates and fixed payments for 3 years
• No prepayment penalty

LTV 80% up to	$829,750	No points	6.750/7.022% APR
LTV 80% up to	$829,750	0.5 point	6.500/6.815% APR
LTV 80% up to	$829,750	1 point	6.250/6.607% APR
LTV 89% up to	$650,000	No points	7.000/7.344% APR
LTV 89% up to	$650,000	1 point	6.750/7.185% APR
LTV 80% up to	$1,000,000	No points	7.000/7.058% APR
LTV 80% up to	$1,000,000	0.5 point	6.875/6.981% APR
LTV 80% up to	$1,000,000	1 point	6.750/6.904% APR

Other Loan Programs:
• Fixed 30, 20, 15 year mortgage
• 5 year/ 30 year Reprice
• 7 year/ 30 year Reprice
• 5 year/ 15 year Reprice

APR = Annual Percentage Rate
Mortgage Loan rates and terms effective 01/06/09 and are subject to change without notice. For refinance loans with cash out, the maximum loan-to-value ratio is 75%. 3-year reprice/call option on above rates and are subject to increase or decrease. All rates apply to single family dwellings that are owner occupied. Closing cost associated with this loan.

Equity Credit Line as low as 3.50% APR* Let us help make your dreams come true. (Disclosures)

Your home holds the answer to your dreams. Use the equity in your house for home improvements, college funding, bill consolidation, auto purchase or whatever you need. Put the built-up equity in your home to work for you!

• No annual fees
• No processing fee 
• Interest only payment option
• Checkbook access 
• As you repay what you borrow, your credit becomes available

Min/Max Loan Amount	Max Loan to Value	Standard Variable
$5,000 - $500,000	80%	3.50% APR

APR=Annual Percentage Rate.
*The as low as rate shows a 1/4% deduction if your mortgage/1st Trust Deed is with the Credit Union. Loan rates and terms effective 01/06/09 and are subject to change without notice. The interest rate is variable and is based on the Wall Street Journal prime rate. The rate is adjustable monthly with a minimum interest rate of 3.50% APR and a maximum interest rate of 18.00% APR.

Get a 1/4% deduction of the standard variable rate if your mortgage/1st Trust Deed is with the Credit Union. Equity Credit Line is only available in the following states: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Iowa, Maine, Massachusetts, Michigan, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, Oklahoma, Ohio, Oregon, Tennessee, Utah, Virginia, Vermont,Washington, Wyoming, Pennsylvania. This is a line of credit secured by the equity in your home. Fees associated with this loan: appraisal fee and t itle fee - varies (estimated appraisal fee $400); additional fees approximately $300. One time membership fee of $5 will be added to your loan for new loan only members.



 Resources
Check out our Mortgage Mart resource which is an interactive approach to the residential loan process. The Mortgage Mart is also full of Financial Wizards and information to help with the Real Estate loan process.

The Library has a Card Catalogue that allows you to search for information on many aspects of real estate finance. The catalogue covers definitions, federal regulations, loan documents, articles, mortgage lending overview, and interest rate archives.

> Mortgage Application
> Mortgage Library
> Mortgage Wizards
> Tips to Avoid Foreclosure



 Cash Rebate
Are you in the market to buy or sell a home? As a member of Christian Community Credit Union, we can place you with one of the top performing real estate agents in your neighborhood. And you'll receive a huge 25% cash rebate from the agent's commission! Call 800.347.CCCU ext 6169 for more information.

> Details on Real Estate Rebate
> Find your Dream Home
> Value your Home
> Home Buying Seminar