Credit eligibility required. Mortgage loans available on primary residents in MS, AL and LA. 1Annual Percentage Rate is current as of 2/13/15 and subject to change without notice. Actual rates vary based on credit history. The interest rate may adjust no more than 2% every 5 years based on the 11th District Cost of Funds Index; the rate is capped at 5% over the initial rate over the life of the loan. Maximum financing 95% LTV. Minimum 5% down payment. Example based on a loan of $100,000: Monthly payments are approx. $421.06, excluding taxes and insurance, actual payment will be more. 2Lender credit of up to $2,500 towards closing costs, based on loan amount.