01/03/11

City National Bank’s

Realtor Rate Sheet

5/5 ARM
Loan Amount Range New Purchase Refinance
or Refinance of City Loan

Over $600,000 Call for a Quote

Up To $600,000 4.65% 4.85%

No Escrows, PMI or Points

$695 Closing Cost Guarantee**

3/3 ARM
Loan Amount Range New Purchase Refinance
or Refinance of City Loan

Over $600,000 Call for a Quote

Up To $600,000 3.99% 4.19%

No Escrows, PMI or Points

$695 Closing Cost Guarantee**

All loan program rates listed above require 10% down.

The above closing costs are good for West Virginia, but in Virginia, the borrower(s)
will also be responsible for the recording fees.

*Closing Cost Guarantee not available on multi-unit investment properties, construction/perm loans, or
new, never occupied homes. Closing Cost Guarantee does not include Owners Title Insurance, Survey
Fees, Property Inspections, or Courier Fees if applicable. Prepaid Interest, Hazard Insurance, Real Estate
Taxes, and Applicable Flood Insurance are expenses to the borrower not covered in the $695 Closing Cost
Guarantee.
01/03/10
City National Bank’s
Realtor Rate Sheet

30 Year Fixed Rates

Loan Amount Range
Pay 1% Disc. Point
$250, 000 to $417,000 4.875% 4.75%
$125,000 to $249,999 5.0% 4.875%
$75,000 to $124,999 5.0% 4.875%
$40,000 to $74,999 5.125% 4.875%

20 Year Fixed Rates

Loan Amount Range
Pay 1% Disc. Point
$250, 000 to $417,000 5.125% 4.75%
$125,000 to $249,999 5.125% 4.875%
$75,000 to $124,999 5.25% 4.875%
$40,000 to $74,999 5.25% 5.0%

15 Year Fixed Rates

Loan Amount Range Pay 1% Disc. Point

$250,000 to $417,000 4.375% 4.25%
$125,000 to $249,999 4.5% 4.25%
$75,000 to $124,999 4.5% 4.25%
$40,000 to $74,999 4.625% 4.375%

Closing Costs are now subject to credit score.

(95% LTV)WVHDF RATE 3.50% (limited time only)
Builders 3-2-1 5.375% (30,20,15,10 year terms)

For special rate quotes or pre-qualification, please call:

Heather Roques
Mortgage Specialist
Direct Line – 304.647.1629
Mobile – 304.646.0974
Fax – 304.645.4765
Rates are an estimate and subject to change at any time. Borrowers may buy down rate. Rates estimated on a 45 day lock, Fixed
Rates are subject to Investor Pricing Adjustments to Rate or Points based on specifics of loan. This information is provided for the
sole use and assistance of Real Estate Professionals and is not an advertisement to extend customers credit as defined by section 226.2
of Regulation Z.