Rates as of February 5, 2008. Rates advertised will be fixed and in effect for the first twelve (12) months after your account is opened. After twelve (12) months, the rate will adjust quarterly to then current Prime Rate, as published in the Wall Street Journal (currently 5.00% APR). Rates advertised are based on a maximum Loan-To-Value (LTV) of 85% and good for new accounts only. Loans with a LTV between 86% and 100% are also available with different conditions and rates. Subject to credit approval. Rates may vary and are subject to change without notice. Maximum APR is 18%. Adequate property insurance is required, and if applicable, flood insurance will be required. This offer is available only on primary and secondary single family residences or owner occupied condominiums located in MD, DE, PA, VA, FL, and NJ.