¹ Rate includes a 0.25% reduction for automatic payment from your Affinity account. There are potentially monthly rate changes based on Prime Rate minus .25% for the life of the loan. Your monthly payment may increase or decrease based upon movement in the Prime Rate and/or the balance outstanding on your line of credit. The maximum APR that may be imposed on any variable rate loan plan is 18%. There are no closing costs on properties located in the state of New Jersey. Properties not located in New Jersey may be subject to state specific mortgage tax fees. Such fees will vary from state to state and typically range from $0.00 and $5,000.00. Prime Rate is determined as quoted in the Wall Street Journal. If applicable, rates will change on the first day of the month. Rates and terms are subject to change without notice. Approval subject to equity in your home; other conditions apply. Offer not available in Texas.

² The Affinity Equity Express guarantee of closing in seven (7) business days applies to New Jersey properties only. Up to $250,000. Applications submitted after 1:00 pm will begin the guarantee on the next business day. For seven (7) business day guarantee, loan must close at Affinity Federal Credit Union Headquarters located at 73 Mountain View Blvd., Basking Ridge, NJ. For ten (10) business day guarantee, loan must close at one of our convenient branch locations or the location of your choice. Member must provide the following items within 48 hours of application date: 1 pay stub or if self-employed, 2 years of business and personal tax returns - all schedules; payoff statements (credit card, mortgage or loan payoffs) if a condition of your loan; copy of the declaration page for applicable insurance (flood/ homeowners) listing Affinity as a second lien holder. Insurance declaration page must evidence sufficient insurance coverage to cover both first and second mortgages and must take effect within seven (7) business days of loan application. Even if Affinity is listed as 1st lien holder we still must be listed as a second lien holder. Loan must meet standard underwriting guidelines. All provisions of the guarantee must be met.