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Rates	APR	Points
At United Fidelity Bank, our goal is to help make the entire mortgage process a less intimidating and more satisfying experience for everyone--customers, builders and real estate agents. We know that buying or building a home is an investment that deserves expert financial advice. Please contact a United Bank Loan Officer for an appointment to discuss your specific needs or call us at (812)-424-0921 or 1-800-280-8280.

15 YR FIXED CONFORMING
20 YR FIXED CONFORMING
30 YR FIXED CONFORMING
5/1 ARM CONFORMING
7/1 ARM CONFORMING
30 YR JUMBO FIXED
5/1 JUMBO ARM
10/1 JUMBO ARM
SWING LOAN
Rates last updated on Friday, May 18, 2012
15 YR FIXED CONFORMING Term: 15 years Maximum Amount: $417,000
2.875%	3.195%	1%
3.125%	3.299%	0%

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20 YR FIXED CONFORMING Term: 20 years Maximum Amount: $417,000
Rates	APR	Points
3.375%	3.626%	1%
3.5%	3.637%	0%

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30 YR FIXED CONFORMING Term: 30 years Maximum Amount: $417,000
Rates	APR	Points
3.5%	3.68%	1%
3.75%	3.849%	0%

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5/1 ARM CONFORMING Term: 30 years Maximum Amount: $417,000
Rates	APR	Points
2.75%	3.333%	1%
3.125%	3.383%	0%

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7/1 ARM CONFORMING Term: 30 years Maximum Amount: $417,000
Rates	APR	Points
3%	3.377%	1%
3.375%	3.471%	0%

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30 YR JUMBO FIXED Term: 30 years Maximum Amount: $2,000,000
Rates	APR	Points
4.625%	4.65%	0%

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5/1 JUMBO ARM Term: 30 years Maximum Amount: $2,000,000
Rates	APR	Points
3.875%	3.574%	0%

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10/1 JUMBO ARM Term: 30 years Maximum Amount: $2,000,000
Rates	APR	Points
4.625%	4.18%	0%

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SWING LOAN Term: 9 months Maximum Amount: $200,000
Rates	APR	Points
5.25%	7.232%	0%

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Rates are subject to other terms, conditions and are subject to change without notice. All rates assume a 30 day lock period and escrow for taxes and insurance. The APR for Conforming Loans are calculated on a $120,000 loan amount with down payment of 20%, applicable loan origination fee; discount points and no prepaid interest collected. APR’s for individual loans may vary. A down payment of less than 20% could require private mortgage insurance, which could increase the Annual Percentage Rate (APR). For adjustable-rate mortgages, rates are subject to increase after the initial fixed rate period. A 30-year loan term applies to all adjustable-rate mortgages. The APR for Jumbo Loans (maximum loan amount must exceed $417,000) are calculated on a $500,000 loan amount with down payment of 20%, applicable loan origination fee; discount points and no prepaid interest collected. APR's for individual loans may vary.