Rates

Mortgage and Construction Loan Rates

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CONVENTIONAL MORTGAGE PROGRAMS

Effective Date: 10/15/08

Financial Calculators	Apply Online
Dubuque Board of Realtors - Home Listings

Program	Interest Rate %	Fee (Point)	APR %¹
40-Yr Fixed	7.375	0 Points (ST)	7.437
40-Yr Fixed	7.625	0 Points (SL)	7.673
30-Yr Fixed	6.500	0 Points (ST)	6.589
30-Yr Fixed	6.865	0 Points (SL)	6.917
20-Yr Fixed	6.500	0 Points (ST)	6.463
20-Yr Fixed	6.865	0 Points (SL)	6.933
15-Yr Fixed	6.375	0 Points (ST)	6.485
15-Yr Fixed	6.565	0 Points (SL)	6.650
7/23 Balloon	by quote	0 Points (ST)	by quote
7/23 Balloon	by quote	0 Points (SL)	by quote
5/25 Balloon	by quote	0 Points (ST)	by quote
5/25 Balloon	by quote	0 Points (SL)	by quote

American Trust is an equal housing lender.
All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
ST = Servicing Transferred (Must make four payments to refinance.) SL = Serviced Locally
¹Annual Percentage Rate
American Trust lends only to customers who reside within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa.
Rates quoted (except First Time Home Buyer) are based upon a $150,000 loan with a 20% down payment, and a 30-year term.

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RESIDENTIAL CONSTRUCTION LOAN RATES

Effective Date: 10/15/08

Financial Calculators

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Term	Interest Rate %	Fee (Point)	APR %¹
6 Month Balloon, Construction Permanent^2,⁴	4.499	0.00 Points (SL)	6.044
6 Month Balloon, Construction Permanent²	5.750	0.00 Points (SL)	7.305
Jumbo 1 Year Adjustable Rate, Construction Permanent³	6.125	0.00 Points (SL)	4.857
Jumbo 6 Month Balloon Construction Permanent³	5.999	0.00 Points (SL)	6.774

American Trust is an equal housing lender.
American Trust lends only to customers who reside within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa.
All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
Conversion fees not included in rates.
Monthly interest only payments on outstanding principal construction loan balance.
¹Annual Percentage Rate
²The annual percentage rates quoted are based upon a $250,000 loan with a 20% down payment, and a 30-year term.
³The annual percentage rates quoted are based upon a $500,000 loan with a 20% down payment, and a 30-year term.
⁴Rate applies to owner-occupied newly constructed homes only.

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