*Available for primary residence purchase loan transactions only. 95% maximum loan-to-value (LTV) for first mortgage and receive up to 100% LTV when combined with Forcht Bank or seller second mortgage. For a combo purchase loan of $100,000, LTV of 100%, the first mortgage payment amount on a five-year Adjustable Rate Mortgage (ARM) based on an interest rate of 4.99%, Annual Percentage Rate (APR) of 3.350% for 61 months is $509.40. After 61 months, the interest rate adjusts annually based on changes to the 1-Year Treasury Constant Maturity Weekly Average Rate that is available on the Federal Reserve Board’s website plus an index of 1.75%. As of 10/7/16, the 1-Year Treasury Rate is 0.65%; thus the payment amount would adjust to 299 payments of $387.22. Interest rates and payments may increase after consummation. Mortgage insurance is required on the first mortgage; thus, the APR and estimated payment amounts will be higher. The second mortgage payment amount with a fixed interest rate of 5.75% and APR of 7.449% with 120 payments is $54.88. All estimated payment amounts do not include property taxes and insurance so actual payment amounts may be higher. Maximum loan amounts and certain restrictions may apply. Loan is subject to underwriting and credit approval. Offer may not be available in some states. Forcht Bank NMLS ID 411012.