Richmond Times-Dispatch : 2019-02-11

ON THE MOVE : 39 : E16

ON THE MOVE

r m T m -d t [email protected] (804) 649-6379 You’re focused on freedom. We’re focused on you. Want to pay off your mortgage loan faster? Talk to us! We’ll even take care of the closing costs.** 4.80% Call 800.296.6246, visit cffc.com, The APR (Annual Percentage Rate) is accurate as of 1/11/19 based on a first deed of trust with a 15-year amortization for a primary residence or vacation home. Minimum loan amount is $15,000. A representative example for a $150,000 at 4.80% APR would result in 180 monthly payments of $1,166.75. Taxes and insurance are not included. The monthly payment obligation will be greater if taxes and insurance are included, and an initial customer deposit may be required if an escrow account for the items is established. ** C&F Bank will pay the following closing costs: Tax Tracking fee, Credit Report cost, Appraisal fee, Lender’s Title Insurance Policy, Deed of Trust recording cost, Settlement fee, and Flood Determination fee. APR is based on the assumption that the finance charge may include these closing costs. Any settlement costs not listed are the borrower’s responsibility. Early payoff penalties may apply. If loan is terminated within 3 years, closing costs must be reimbursed by the account holder. This loan offer is subject to change without notice and is subject to credit approval. Homeowners insurance is required. Other qualifications may be required. You should consult a tax advisor for further information regarding the deductibility of interest and charges. Other terms and rates are available. Citizens and Farmers Bank

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