Rates and terms are subject to change without notice and may vary based on your home’s market value and dwelling type.  Interest rates and Annual Percentage Rates (APRs) on adjustable rate mortgages may increase after consummation of the loan.  Early repayment of a loan may result in a prepayment charge. All loans are subject to underwriting guidelines including but not limited to, credit approval, asset and income verification, and collateral evaluation. With First Fed loan programs that allow interest-only payments, the minimum monthly payment may significantly increase at the end of the interest-only period.  Properties outside of California are not eligible for First Fed loan programs.