Robert Yusupov
Branch Manager 718-969-7100
Fax: 718-732-0687 roberty.fffmtg.com
email

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| You can now refinance up to 150% of your home's value! | Today's Mortgage Rates Loans up to $417,000 | | Rate | APR | | 30 Year Fixed | 3.375 | 3.642 | | 15 Year Fixed | 2.750 | 3.223 | | 5 Year ARM | 1.750 | 3.068 | | | FHA Rates | Rate | APR | | 30 Year Fixed | 3.250 | 3.903 | | 15 Year Fixed | 2.750 | 3.017 |
| | Rate Details as of 04/05/2012 | | | We're an equal Housing Lender .FRANKLIN FIRST FINANCIAL, LTD. IS A LICENSED MORTGAGE BANKER - NYS DEPT OF FINANCIAL SERVICES. LICENSE #B500728 NMLS #1630, HUD APPROVED TITLE II NON-SUPERVISED LENDER #17895-0000-0. FRANKLIN FIRST FINANCIAL IS NOT ACTING ON BEHALF OF OR AT THE DIRECTION OF HUD/FHA OR THE FEDERAL GOVERNMENT. *5/1 Fixed ARM is an adjustable rate mortgage and interest rate and payment can change (up or down) after the fixed rate period. This APR is based on a 30-year amortization of $250,000, and includes applicable closing costs with 2 points as of April 5, 2012. Payments do not include applicable taxes and insurance. Actual obligation will be greater. Projected interest rate and payment based on current index plus margin. Not responsible for errors. . ALL LOANS ARE SUBJECT TO CREDIT & APPRAISAL APPROVAL. PROGRAMS, RATES, TERMS, AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. OTHER RESTRICTIONS MAY APPLY. THIS IS NOT A COMMITMENT TO LEND.COPYRIGHT FRANKLIN FIRST FINANCIAL, LTD. ALL RIGHTS RESERVED. |

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