*Annual Percentage Rate (APR) and terms will be determined by overall credit rating, owner occupancy, lien position and are available as low as stated as of 04/24/09 and are subject to change daily. Quoted special rate is for owner occupied, with automatic payment through a Beacon Federal checking account. Loan subject to application and credit approval. $5,000 minimum loan. Payment is calculated per $1,000 borrowed at APR, does not include insurance.Maximum TLTV 95%. ¹No closing costs for loans $20,000 to $100,000 that remain open for a minimum of 3 years. Borrowers pay NYS mortgage tax on amount of loan that exceeds $100,000. LTV restrictions apply in the state of TX. Call for details.