| Unless noted Private Mortgage Insurance is required with less than 20% down payment. |
| Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program. |
| Special Note: Fixed rate products are not available for Jumbo and Condominium financing. |
| Jumbo mortgage loans are mortgages in excess of $453,100 up to a maximum of $3,000,000 per loan. Jumbo financing is available up to 70% loan to value. |
| Mortgage loans for Condominiums are available up to $453,100. Condominium financing is available up to 75% loan to value. |
| Manufactured Home/Land (MH/Land) mortgages available up to $453,100. |
| 1 Maximum LTV 80%. |
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2 Not eligible for Manufactured Home/Land
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| 3 Rate changes daily |
| Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call (904) 777-6000 or 1 (800) 445-6289, option 9. |
| Initial Rate on an adjustable rate loan: The interest rate that is fixed for some specified number months at the beginning of the loan term. |
| Annual Percentage Rate (APR): The rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance (if applicable), and discount points based on $125,000 loan amount. VyStar pays closing costs up to $5,000 (excludes discount points prepaid interest, private mortgage insurance premium, home owner association feees, home inspections - including but not limited to wood destroying organism, roof and structural engineering and condo document fees and/or monies necessary to fund the escrow account). |
| Fully Indexed Rate: The current index value plus the margin on an adjustable rate loan. |
| Maximum Interest Rate: The maximum rate that may occur on your adjustable rate loan. |
| Months to first rate adjustment: The period of time before your interest rate will adjust on an adjustable rate loan. |