4240.2 REV CHG 4

APPENDIX 18

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4229 .4230 .4231 .4231 .4232

2 .4368 .4370 .4372 .4375 .4377

3 .4502 .4506 .4510 .4514 .4518

4 .4629 .4636 .4642 .4648 .4654

5 .4748 .4757 .4765 .4773 .4781

6 .4855 .4866 .4876 .4886 .4896

7 .4946 .4959 .4972 .4984 .4996

8 .5018 .5033 .5048 .5063 .5077

9 .5066 .5083 .5100 .5117 .5133

10 .5083 .5103 .5121 .5140 .5158

11 .5064 .5085 .5105 .5125 .5145

12 .5019 .5041 .5062 .5084 .5104

13 .4966 .4989 .5012 .5035 .5057

14 .4905 .4930 .4954 .4978 .5002

15 .4833 .4860 .4886 .4911 .4936

16 .4750 .4778 .4806 .4833 .4860

17 .4654 .4683 .4713 .4741 .4770

18 .4541 .4573 .4604 .4634 .4664

19 .4411 .4444 .4476 .4508 .4539

20 .4258 .4293 .4327 .4360 .4393

21 .4081 .4117 .4152 .4187 .4221

22 .3875 .3912 .3948 .3984 .4019

23 .3636 .3673 .3709 .3746 .3782

24 .3357 .3394 .3430 .3467 .3503

25 .3032 .3068 .3104 .3139 .3175

26 .2655 .2689 .2722 .2756 .2790

27 .2215 .2246 .2276 .2306 .2337

28 .1704 .1729 .1754 .1779 .1805

29 .1109 .1126 .1144 .1162 .1179

30 .0416 .0423 .0430 .0437 .0445

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 (1 of 2) 5/81

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 18

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4232 .4233 .4234 .4234 .4235

2 .4379 .4381 .4383 .4385 .4387

3 .4522 .4526 .4529 .4533 .4536

4 .4659 .4665 .4670 .4675 .4681

5 .4788 .4796 .4803 .4810 .4817

6 .4906 .4915 .4924 .4934 .4942

7 .5008 .5020 .5031 .5042 .5053

8 .5091 .5105 .5118 .5131 .5144

9 .5149 .5165 .5180 .5195 .5210

10 .5176 .5193 .5211 .5227 .5244

11 .5164 .5183 .5201 .5220 .5237

12 .5125 .5145 .5165 .5184 .5203

13 .5079 .5100 .5121 .5142 .5162

14 .5055 .5047 .5070 .5091 .5113

15 .4961 .4985 .5009 .5032 .5055

16 .4886 .4911 .4937 .4961 .4986

17 .4797 .4824 .4851 .4877 .4903

18 .4693 .4722 .4750 .4778 .4805

19 .4570 .4600 .4630 .4660 .4689

20 .4425 .4457 .4489 .4520 .4550

21 .4255 .4288 .4321 .4353 .4385

22 .4054 .4088 .4122 .4156 .4189

23 .3817 .3852 .3887 .3922 .3956

24 .3538 .3574 .3609 .3643 .3678

25 .3210 .3245 .3279 .3313 .3347

26 .2823 .2856 .2889 .2922 .2954

27 .2367 .2397 .2427 .2457 .2487

28 .1830 .1855 .1880 .1905 .1930

29 .1197 .1215 .1233 .1250 .1268

30 .0452 .0459 .0466 .0473 .0481

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 (2 of 2) 5/81