Annual Percentage Rate (APR) based on $100,000.00 loan amount; 20% down. Payment example at 3.500%: 360 monthly payments of $449.04, which includes principal and interest only.

Disclosure: Adjustable mortgage rates are subject to increase after consummation. Maximum 1 1/2 % rate decrease or increase per adjustment. Lifetime maximum adjustment of 6% above the original rate. Loans are subject to the underwriting standards of First Federal Savings of Lorain. Above rates available on single-family owner-occupied homes only and require the automatic transfer (ATS) of payments from a First Federal donor account. Loans with less than 20% down require the purchase of Private Mortgage Insurance (PMI) and will increase the APR. Property insurance required; Flood Insurance may be required. Rates subject to change without notice.