The APR shown above is calculated on a loan example of $105,000 for the purchase of a single unit primary residence with a 20% down payment and a minimum representative credit score of 740 for all borrowers. The rate shown above assumes the ability to close the loan within 25 days of locking. The loan is fully amortized in 30 years or 15 years as labeled above. This is an example only. Payments do not include amounts for taxes and insurance, and the actual payment obligation will be greater. Other qualifications and underwriting standards may apply. This is not an offer to lend or enter into an interest lock agreement at a specific rate. Rates may only be locked in writing with an authorized representative of the bank subject to requirements of MN statute. Rates are subject to change throughout the day without notice and depend on the unique characteristics of the application submitted and the current market conditions. Please contact a loan officer for more specific information.