Mortgage Disclosure: Maximum loan-to-value is 80% for all fixed rate mortgages. Rates subject to change; check with Sunward for current rates. If loan does not close, fees incurred will be charged to the member. Available rate based on credit history. Not everyone will qualify for lowest rate. All loans subject to credit approval. Contact Sunward for details.

5/5 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts every five years. Each adjustment is capped at 2%, and the rate will never increase more than 5% above the origination rate. Rate is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and is subject to the floor rate.

7/1 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts annually after the initial seven-year period. The rate cannot increase or decrease by more than 3.5% at the first adjustment, or by more than 2% at each annual adjustment after that. Rate is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and is subject to the floor rate.

15/15 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts once after the initial 15-year period and is capped at 6% above the loan origination rate. Rate is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and is subject to the floor rate.