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					                                                                                                                                                                             LTV between 60.1% and 70%




HOUSE PRICE                       $         350,000 LTV                            75.0%
CREDIT                            $         262,500


                                                                                                                           Trust montthly
                                                                             Annual
                                                                                                                             payment                                     Monthly payment with
         Program                         Score                  Term         Interest             Monthly payment                              Hazard Insurance
                                                                                                                             (350+IVA                                     trust and insurance
                                                                               Rate
                                                                                                                             annualy)
Fixed Rate                                                 25                    9.375%       $             2,270.69       $        33.54      $                 84.53   $                   2,388.75
5/1                                     650-670            25                    8.375%       $             2,091.65       $        33.54      $                 84.53   $                   2,209.72
3/1                                                        25                    7.875%       $             2,004.33       $        33.54      $                 84.53   $                   2,122.40
Fixed Rate                                                 25                    9.250%       $             2,248.00       $        33.54      $                 84.53   $                   2,366.07
5/1                                     671-685            25                    8.250%       $             2,069.68       $        33.54      $                 84.53   $                   2,187.75
3/1                                                        25
                                                           25                    7.750%       $             1,982.74       $        33.54      $                 84.53   $                   2,100.80
Fixed Rate                                                 25                    9.125%       $             2,225.40       $        33.54      $                 84.53   $                   2,343.47
5/1                                     686-700            25                    8.125%       $             2,047.80       $        33.54      $                 84.53   $                   2,165.87
3/1                                                        25                    7.625%       $             1,961.25       $        33.54      $                 84.53   $                   2,079.31
Fixed Rate                                                 25                    9.000%       $             2,202.89       $        33.54      $                 84.53   $                   2,320.96
5/1                                        701             25                    8.000%       $             2,026.02       $        33.54      $                 84.53   $                   2,144.08
3/1                                                        25                    7.500%       $             1,939.85       $        33.54      $                 84.53   $                   2,057.92

                                                                                      Estimated Clossing Fees
                                                                                  A
(1)               Origination             (2)                  (3)                            B                   Permit         C                      D                           A+B+C+D
                                                                              (1)(2)(3)
            Fee 2%                    Underwriting          Appraisal                               and Trust Fees             TAXES               Notary Fees                  Total Closing Fees
                                                                             Bank Fees

                        5,250                        268           750              6,268                        2,099                 1,277                     2,600                           12,243

a) Aprproval terms and rate subjec to to The Laredo National Bank's credit policy and standards
b) APR may vary subject to the applicant's credit history and morgage terms.
c) This document is for informational purpouses only
d) Rates and Fees are subject to change without prior notification
                                                                                                                                                                           LTV between 50.1% and 60%




HOUSE PRICE                     $       500,000 LTV                           50.1%
CRÉDITO                         $       250,500




                                                                         Annual                                         Trust montthly
                                                                                                                                                                          Monthly payment with
        Program                       Score                 Term         Interest         Monthly payment             payment (350+IVA         Hazard Insurance
                                                                                                                                                                           trust and insurance
                                                                           Rate                                           annualy)



Fixed Rate                                             25                   9.250%        $              2,145.24     $            33.54   $                    120.75    $               2,299.53
5/1                                  650-670           25                   8.250%        $              1,975.07     $            33.54   $                    120.75    $               2,129.36
3/1                                                    25                   7.750%        $              1,892.10     $            33.54   $                    120.75    $               2,046.39
Fixed Rate                                             25                   9.125%        $              2,123.67     $            33.54   $                    120.75    $               2,277.96
5/1                                  671-685           25                   8.125%        $              1,954.19     $            33.54   $                    120.75    $               2,108.48
3/1                                                    25                   7.625%        $              1,871.59     $            33.54   $                    120.75    $               2,025.88
Fixed Rate                                             20
                                                       25                   8.750%        $              2,213.70     $            33.54   $                    120.75    $               2,367.99
5/1                                  686-700           25                   8.000%        $              1,933.40     $            33.54   $                    120.75    $               2,087.69
3/1                                                    25                   7.500%        $              1,851.17     $            33.54   $                    120.75    $               2,005.46
Fixed Rate                                             25                   8.875%        $              2,080.79     $            33.54   $                    120.75    $               2,235.08
5/1                                    +701            25                   7.875%        $              1,912.70     $            33.54   $                    120.75    $               2,066.99
3/1                                                    25                   7.375%        $              1,830.85     $            33.54   $                    120.75    $               1,985.15

                                                                                         Estimated Clossing Fees
                                                                              A
            (1)                         (2)                 (3)                                         B                    C                         D                          A+B+C+D
                                                                          (1)(2)(3)
    Origination Fee 2%              Underwriting         Appraisal                            Permit and Trust Fees        TAXES                  Notary Fees                 Total Closing Fees
                                                                         Bank Fees

                      5,010                      268            400             5,678                         2,099                1,277                          3,750                       12,803

a) Aprproval terms and rate subjec to to The Laredo National Bank's credit policy and standards
b) APR may vary subject to the applicant's credit history and morgage terms.
c) This document is for informational purpouses only
d) Rates and Fees are subject to change without prior notification
                                                                                                                                                                        LTV 50% or less




HOUSE VALUE                        $       500,000 LTV                           50.0%
LOAN AMOUNT                        $       250,000


                                                                                                                             Trust montthly
                                                                         Annual Interest
             Program                      Score                Term                              Capital + Interest        payment (350+IVA     Hazard Insurance    Monthly payment
                                                                             Rate
                                                                                                                               annualy)



Fixed Rate                                                25
                                                          15                       8.625% $                 2,480.20   $                33.54   $          120.75   $          2,634.49
5/1                                      650-670          25                       8.125% $                 1,950.29   $                33.54   $          120.75   $          2,104.58
3/1                                                       25                       7.625% $                 1,867.85   $                33.54   $          120.75   $          2,022.14
Fixed Rate                                                15
                                                          25                       9.000% $                 2,097.99   $                33.54   $          120.75   $          2,252.28
5/1                                      671-685          25                       8.000% $                 1,929.54   $                33.54   $          120.75   $          2,083.83
3/1                                                       15
                                                          25                       7.500% $                 1,847.48   $                33.54   $          120.75   $          2,001.77
Fixed Rate                                                25
                                                          25
                                                          15                       8.875% $                 2,076.63   $                33.54   $          120.75   $          2,230.92
5/1                                      686-700          15
                                                          25
                                                          25                       7.875% $                 1,908.88   $                33.54   $          120.75   $          2,063.18
3/1                                                       25
                                                          15                       7.375% $                 1,827.20   $                33.54   $          120.75   $          1,981.49
Fixed Rate                                                25
                                                          15                       8.750% $                 2,055.36   $                33.54   $          120.75   $          2,209.65
5/1                                        +701           20
                                                          15
                                                          25                       7.500% $                 2,013.98   $                33.54   $          120.75   $          2,168.27
3/1                                                       15
                                                          25                       7.250% $                 1,807.02   $                33.54   $          120.75   $          1,961.31


                                                                      Estimated Clossing Fees
                                                                                 A
(1)                Origination             (2)                 (3)                           B               Permit              C                       D              A+B+C+D
                                                                             (1)(2)(3)
             Fee 2%                    Underwriting         Appraisal                             and Trust Fees               TAXES                Notary Fees     Total Closing Fees
                                                                            Bank Fees

                        5,000                       268           400              5,668                      2,099                  12,177                3,750                23,693

a) Aprproval terms and rate subjec to to The Laredo National Bank's credit policy and standards
b) APR may vary subject to the applicant's credit history and morgage terms.
c) This document is for informational purpouses only
d) Rates and Fees are subject to change without prior notification

				
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posted:10/1/2011
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