Rates are subject to change without notice. Please call to obtain today's rates. These rates are valid for mortgages up to $417,000 for single family, owner-occupied homes. *APR may increase or decrease after consummation of loan.

(1) Rate adjustment will occur annually after the fixed period of 3 years.
(2) Rate adjustment will occur annually after the fixed period of 5 years.
(3) Rate adjustment will occur annually after the fixed period of 7 years.
(4) Rate adjustment will occur annually after the fixed period of 10 years.

Annual Percentage Rate (APR) is based on a $100,000 loan with a 20% downpayment.

SIBT is an approved lender for CHFA, VA, FHA and Rural Development.
SIBT is now offering Reverse Mortgages 

The above rates assume a first mortgage for a purchase or refinance transaction of a single family, owner occupied primary residence.

Closing costs are estimates.

A loan with less than 20% downpayment will require Private Mortgage Insurance ("PMI")

To calculate your principal and interest use the "payment per $1,000" in the rate chart above.

Adjustable rates based on the One Year Treasury Bill as of July 18, 2008, are subject to change, rates can adjust up or down by no more than 2% and 6% over life of loan.

Rates are not locked in until a Rate Lock-In Agreement has been executed and you have paid the lock-in fee (if required).

Cash out refinances may require 25% equity in property.

Rates and terms are subject to change.  Rates and APRs may vary depending on the details such as points paid, loan amount, Loan To Value and owner occupancy