1. On Approved Credit. Rates quoted with discounts. Discounts include .25% for members with an active Kaiperm Checking Account, .25% for Credit Life and Credit Disability Insurance; .25% for Kaiperm sold Guaranteed Auto Protection (GAP) coverage, .25% for Kaiperm sold Mechanical Breakdown Insurance (MBI), and .25% for automatic repayment of loan. Rate reductions not to exceed .50%. 84 month term available for loan amounts greater than $30,000.

2. On Approved Credit. Rates quoted with discounts. Discounts include .25% for members with an active Kaiperm Checking Account, .25% for Credit Life and Credit Disability Insurance; .25% for Kaiperm sold Guaranteed Auto Protection (GAP) coverage, .25% for Kaiperm sold Mechanical Breakdown Insurance (MBI), and .25% for automatic repayment of loan. Rate reductions not to exceed .50%. 84 month term available for loan amounts greater than $30,000.

3. On Approved Credit. Rates quoted with discounts. Discounts include .25% for Credit Life and Credit Disability Insurance.

4. APR - Annual Percentage Rate. Cash Advance Fee equals $10.00.

5. This variable HELOC Rate is based upon credit rating, Loan To Value (LTV) of Property, and the Prime Rate as listed in The Wall Street Journal. Maximum APR is 18.0%. Closing costs vary dependent on county of residence and loan amount. Typical closing costs for a loan amount of $100,000.00 to $200,000.00 range from $1,500.00 to $2,000.00. Homeowner's insurance is required for funding of a Home Equity Line Of Credit. Kaiperm is an Equal Housing Lender.

6. Use Our Calculator to determine your minimum monthly mortgage payment. These fixed rate mortgages are based upon credit rating and Loan To Value (LTV) of Property. Kaiperm is an Equal Housing Lender.