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Nationswide mortgage works with the leading lenders in the industry to provide you with a variety of loan programs to meet your every need.

Loan Type	Right for You If	Advantages
Fixed Rate	You want the predictability and certainty of a stable mortgage payment You plan to stay in your home for several years and expect interest rates to rise	Interest rates or principal and interest payments that stay the same for the life of your loan 10, 15, 20 and 30 year terms<?xml:namespace prefix = o />
Adjustable Rate	You want or need more home than you can qualify for at a fixed rate You believe interest rates will probably stay the same or go down	Qualify for a higher mortgage and enjoy a lower initial interest rate and payment Adjustment periods vary depending on which product you choose
Affordable Housing Programs	You only have a small down payment or no down payment at all You need more flexible lending guidelines	Great for first-time homebuyers· Little or no down payment required Potentially lower interest rates
Jumbo Loans	You want to buy a luxury home You want to borrow more than $417,000	Choice of a fixed or adjustable rate Mortgage interest may be leveraged as a tax deduction (Consult a tax advisor on the deductibility of interest.)
FHA/VA Loans	You have only a small down payment or no down payment at all You are an eligible veteran You need more flexible qualifying standards	Great for first-time homebuyers Choice of a fixed or adjustable rate Little or no down payment required

Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.