If you think you couldn’t get a low interest rate on your Jumbo mortgage … think again!

All of us have heard how interest rates have dropped to historically low levels on fixed rate conforming loan amounts. But what about rates on Jumbo or Super Jumbo mortgages?! At Fremont Bank, we offer low rates not only on conforming loan amounts but also on loan amounts up to $2 million.

We’ve helped thousands of people refinance their mortgages with surprisingly low rates³. Right now, our Jumbo Adjustable Rate Mortgage (ARM) rate is as low as 4.875% initial rate¹ with a 3.831% fully indexed APR¹. Go ahead – take advantage of this low initial rate on a 5/1 ARM loan. We may not see interest rates this low for a long time. This is a no closing cost loan², but it does include a 3-year prepayment penalty. Our Loan Consultants can tell you what the amount would be, so there won’t be any surprises.

If you apply now you may qualify to receive a super thin, light as a feather Netbook (mini laptop) computer. It’s Fremont Bank’s limited time offer when you establish a Mortgage Loan Relationship package.⁴

All it takes is 2 simple steps:

1. Close a new Jumbo / Super Jumbo mortgage loan⁴
2. Open a Fremont Bank California Mortgage Checking Account⁴ with: Online Banking (PAM), eStatements⁵, Visa® Check card, and automatic loan payments⁶

A Netbook computer means having virtual access anywhere – not only at home and the office, but also during commuting, traveling, or relaxing in coffee shops or libraries. It’s a small laptop computer that’s extremely portable and useful for light computing.

If you’re ready to refinance to keep your interest rate low and want to enjoy all the “big bank” benefits with community bank friendly service, call our experienced mortgage specialists today. Find out why so many homeowners choose Fremont Bank for their home lending needs. Call 877-229-5907 and simply provide promo code 12614 to receive a Relationship Netbook package offer.

1. 5/1 ARM is based on owner-occupied, single-family homes only with an automatic payment from a Fremont Bank account. Loan amounts $417,001-$2,000,000. Maximum 70% loan-to-value (LTV). Mortgage insurance is required for loans above 80% LTV. Subject to credit and underwriting requirements. Adequate property insurance (may include flood insurance) required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial.

Rates and terms effective 12/28/2009 and subject to change. Actual rate determined after receipt of a completed application and prior to execution of loan. This is a variable rate loan and payment amounts will vary annually after the fifth year based on changes in the index. Your payment may increase and may increase substantially if interest rates increase. Rate includes discount for automatic loan payments from a Fremont Bank account.

2. Fremont Bank’s Application Fee Agreement lists fees the borrower will not pay. An application fee will be required four (4) business days after a loan application is submitted, which will be refunded (credited) at loan closing. Borrower is responsible for paying all fees and charges imposed by any existing third party lender (for example, a payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank.

Rates on loans less than $417,001 or over $2,000,000 or for purchase loans may differ. Certain restrictions apply. The following counties can qualify for this program: Alameda, Contra Costa, San Francisco, San Mateo, Marin, Monterey, Santa Clara & Santa Cruz. Other loan programs available.

Prepayment penalty applies first 3 years and requires you to pay a lump-sum prepayment penalty if you sell your home or refinance during the first few years of the loan. You should find out if your mortgage has a prepayment penalty, how it works, and how much it could be. Call our Loan Consultants for the amount of the penalty on your desired loan size. Refers to program 406. Loans subject to approval.

3. Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation.

4. To receive a Netbook computer, must fund new first jumbo/super jumbo mortgage loan with Fremont Bank; and within 60-days after loan funding, open a new California Mortgage checking account with Visa® Check Card, enroll in online banking with e-Statements, and establish automatic monthly mortgage payment from your California Mortgage checking account.

5. e-Statements require a computer with Internet access. Must enroll online.

6. The first recurring automatic monthly mortgage payment must be posted to your account within 60 calendar days of your loan funding date. Offer valid on jumbo/super jumbo applications submitted from 7/01/09 to 12/15/2009 and subject to change without prior notice and may be terminated or extended based on response. Offer does not apply to existing California Mortgage checking customers. Limit of one Netbook per household per calendar year. Netbook computer valued at $199. Any applicable taxes are the responsibility of the account holder. All accounts are subject to the Bank’s standard terms and conditions and fee schedule.