Buyer Savings Details

*1st Security Bank 1/0 Buydown Program allows you to reduce your initial monthly payments by calculating an interest rate that is 1% lower in the first year. Special rates are subject to availability and seller offer may change without notice. If the loan is paid off or refinanced within the year, any amount left in the buydown account will be refunded through a principal reduction or cash back at loan payoff. First year calculated rate of 4.99% (6.954% APR), and years 2-29 based on fixed FHA 30-year rate of 5.99% (6.954% APR). FHA Payment example: If you bought a $400,000 home with a 30-year loan at a fixed rate of 5.99% (6.954% Annual Percentage Rate), with a down payment of 3.5%, for an adjusted loan amount of $392,755 (includes upfront mortgage insurance premium of 1.75% of the loan amount), and a 1/0 temporary buydown paid by the seller, you would make 12 monthly payments of $2,105.99, and 348 monthly payments of $2,352.24. Payment stated does not include mortgage insurance, taxes and homeowners insurance, which will result in a higher payment. 1st Security Bank, NMLS#761985. Equal Housing Lender. All rights reserved. This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting, and property approval. Programs, rates, terms and conditions are subject to change without notice. Information current as of 10/19/2026. For additional important information call Dago Velasquez, NMLS#487548, at (509) 528-4898 or visit https://www.fsbwa.com/asset/68e84ab0d83bf