Third Federal Savings & Loan

MORTGAGES 18

• Can I borrow funds to build a second (vacation) home?
• Can I make a principal payment to my mortgage?
• Can I remove a person from my mortgage?
• Does Third Federal offer Construction/Permanent mortgage loans?
• Does Third Federal offer bridge loans?

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GENERAL INFORMATION ON MORTGAGES 23

• Can I change the loan amount or loan type for my preapproval?
• Do you offer bi-weekly mortgage payments?
• Do you have any programs for first time home buyers?
• Does Third Federal charge any prepayment penalties?
• Does Third Federal have "No Cost" or "Low Cost" mortgage options?

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SMART RATE ADJUSTABLE MORTGAGE 10

• Do you have a low cost option for the Smart Rate Adjustable Mortgage?
• How many times can I relock the rate on my Smart Rate Adjustable Mortgage?
• What are some key terms for an adjustable rate mortgage?
• What are the caps for the Smart Rate Adjustable Mortgage?
• What happens to the loan caps and rate floor if I choose to relock?

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