*103% loan to value (LTV) available on purchases of owner-occupied residences only. 40-year fixed rate mortgages not available with 103% financing programs. Borrower may need to purchase appraisal under certain conditions, and property, flood and mortgage insurance may be required. Certain conditions may apply regarding no closing costs offer. Mortgages with less than 20% equity subject to Mortgage Insurance. Note: If your home does not increase in value and you are paying interest only payments, you are not building equity. Your mortgage payment may significantly increase when your loan goes into the principal and interest repayment phase. All IBM Southeast EFCU real estate loans are subject to income, address and identification verification and credit approval. For more information, please refer to our Web site, or contact a Mortgage Representative for full details on the certain rates, terms, fees and conditions that may apply. 24 hour approvals subject to certain conditions.
**$50 Home Depot gift card will be mailed to your address of record within 30 days of closing. Promotion effective January 1, 2007, subject to change without notice. Home Depot is a registered trademark of Homer, TLC Inc. and is not associated with IBM Southeast EFCU.