APR (Annual Percentage Rate) fixed for first 12 months, followed by a floating rate of WSJ Prime plus 0.24% with a floor rate at 4.49%. Rate includes a 0.25% discount with auto-pay AND 0.25% for Banner’s Best checking account. Annual fee of $75 is waived the first year. Maximum Loan to Value is 80% (see rate sheet). Requires a minimum FICO score of 750. Excludes purchase money and non-owner occupied transactions. Residential appraisals only, no commercial appraisals. Subject to credit approval. Available for applications submitted between March 2, 2020 through May 1, 2020.