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Whether you’re a first-time home buyer, looking to upgrade to a new home, or simply interested in lowering your monthly payments, we have flexible loan programs designed to make home ownership more affordable. Take advantage of our competitive, low rates today. For a limited time we are offering members a free home appraisal up to $500.**

• A variety of loans with flexible loan options.
• Home Loan Consultants available in person or by phone.
• Online Mortgage Center available through www.patelco.org. Many resources available to help members through the home buying process including research, education, and property information. Members can apply, check rates, and use calculators to see how much they can afford.
• Free homeowner’s insurance quotes are available through our partner, California Insurance Specialists, by calling 1.800.231.4619.
• Patelco has joined with CU Realty, a licensed real estate company to help streamline the home buying process for members. CU Realty offers buying and selling tools, a network of affiliated realtors, and a rebate to members every time they buy or sell a home.

* Annual Percentage Rate as of 6/28/06; subject to change. Calculations based on a loan amount for $417,000 plus closing costs and points. The 3/1 ARM is fixed for the first 3 years and then converts to an ARM with annual adjustments. The index is the weekly average of the 1-year US Treasury Securities adjusted to constant maturity of one year, as made available by the Federal Reserve Bank.

** Value of appraisal up to $500. Credit given at funding. Offer applies to all new first mortgages, which includes refinances of non-Patelco first
mortgages or purchase loans. Offer does not apply to refinances of existing Patelco home or home equity loans.