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* APR = Annual Percentage Rate will vary based on final loan amount and finance charges. APRs are based on Purchase Transactions. For example, a loan amount of $400,000 with a 9-month term, consisting of 9 monthly interest-only payments at an interest rate of 3.95%, would result in 9 monthly payments of $1,367.67, with a balloon payment due at maturity. Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher. The rate shown is based on a new construction loan on a primary or secondary residence for 9 months, interest payable monthly on advances made, with a 720 Credit Score, a loan-to-value of 80%, and direct deposit into a Bank of New Glarus checking account prior to closing. Your actual rate, terms and costs could be different; get an official Loan Estimate before choosing a loan. Your rate, fees and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value (LTV) ratio, etc. All loan rates, points and programs are subject to change at any time. All loans are subject to credit approval.