For more information or to take advantage of these offers, please speak with your FME Representative or visit us online at www.FME.org.

15 Year Fixed

only $74 per 10K

10 Year Fixed

only $100 per 10K

5 Year Fixed

only $181 per 10K

REFINANCE TO A LOWER RATE

HOME IMPROVEMENTS

FME offers a variety of equity programs, one that will be perfect for you! Choose from a 5 or 7 Year Balloon Note, with the option to amortize up to 30 years, or fixed terms of 10, 15 or 20 years. Payments couldn't be more budget friendly.

ADVANTAGES OF A FME EQUITY LOAN

• Low Rates• Flexible Terms• No Risk-Based Lending• No Pre-Payment Penalties• No Application Fee• No Closing Costs To

Qualified Members• No Primary Mortgage

Insurance (PMI)

NEED MORE FLEXIBILITY?FME'S MEMBER ADVANTAGE LINE-OF-CREDIT HOME EQUITY LOAN MAY BE YOUR PERFECT SOLUTION!The flexibility of this loan allows you to make advances, when you want, up to your approved limit. Borrow only what you need, when you need it.

5 Year Draw PeriodMinimum $300 Advances

Variable Rate

UNLOCK POSSIBILITIES WITH AN

FME HOME EQUITY LOAN!

HOME REPAIRS

DEBT CONSOLIDATION

COLLEGE TUITION

SPECIAL PURCHASES

For more information or to take advantage of these offers, please speak with your FME Representative or visit us online at www.FME.org.

The American Dream Mortgage

Committed to offering you an option to refinance your mortgage loan even if your home's value was affected by the "great recession". You're making your payments yet no one will help you. Maybe FME can with our American Dream Mortgage.

This loan is designed to give those members who continually pay their mortgage the opportunity to refinance to a lower rate and pay their mortgage off sooner. If you have had your existing mortgage for a minimum of 5 years, you may qualify.

YOU'RE COMMITTED. FME IS COMMITTED TOO.

REFINANCE UP TO 110% OF YOUR HOME'S VALUE

LOWER YOUR INTEREST RATE

PAY YOUR MORTGAGE OFF SOONER

15 YEAR FIXED TERM