** Interest rate compounded semi-annually, not in advance . Assuming no additional fees are charged, the Annual Percentage Rate is the same as the Interest Rate. The Annual Percentage Rate (APR) is calculated semi-annually and is based on a 25-year amortization period. All Rates are subject to borrowers meeting WealthONE Bank’s lending criteria (this may include your credit score, income and property location) and are subject to change without notice. Residential lending rates are determined on a case-by-case basis, which allows us to offer you competitive options for your specific needs. Working with a mortgage broker will ensure you have all the information you need to make an informed decision on the option that is right for you.