Věstník (Temple, Tex.), Vol. 100, No. 41, Ed. 1 Wednesday, October 17, 2012 Page: 3 of 32
thirty two pages : ill. ; page 13 x 11 in.View a full description of this newspaper.
Extracted Text
The following text was automatically extracted from the image on this page using optical character recognition software:
VĚSTNÍK
Wednesday, October 17,2012
3
SPJST INTEREST RATES
SPJST Farm/
Commercial
Property Rates
Farm/commercial property rates are
subject to change without notice. Call
the SPJST Home Office (800) 727-
7578.
Farm/Commercial
Property Rates
75% Owner
Farm Property
5.00% for 1 to 10 years
5.25% for 11 to 20 years
Commercial Property
6.00% for 1 to 10 years
6.25% for 11 to 15 years
Universal Life
Universal Life
4.50% for Annualized*
Annuities
Annuity I**
5.00% for Annualized*
Annuity IV
3.00% for Annualized*
* Rates effective 08/01/12
through 10/31/12.
5-Year Annuity
When purchased, current interest
rates are guaranteed for 5 years.
Annuity II**
3.00% for Annualized*
Annuity III**
3.00% for Annualized*
**Not currently being marketed.
Band 1 -$10,000 to $24,999
Current Rate: 3.00%
Band 2-$25,000 to $49,999
Current Rate: 3.00%
Band 3—$50,000 and up
Current Rate: 3.00%
Find us on Facebook.
www.facebook.com/spjst
i tm
SPJST Residential Mortgage Loans
Contact the SPJST for applications and an information/rate sheet. To comply with State and Federal law (SAFE Act), questions
about the interest charges and Good Faith Estimate are handled by our Residential Mortgage Loan Originator listed below.
RESIDENTIAL PROPERTY RATES
4.75% For terms of 1 to 20 years
5.00% For terms of 21 to 30 years
RESIDENTIAl/FARM PROPERTY RATES
5.00% For terms of 1 to 10 years
5.25% For terms of 11 to 20 years
Residential Property
Effective Annual Percentage Rate 5.297% for 1-20 year term
Effective Annual Percentage Rate 5.725% for 21-30 year term
Residential/Farm Property
Effective Annual Percentage Rate 6.053% for 1-10-year term
Effective Annual Percentage Rate 6.319% for 11-20 year term
Requires 25% down payment
Purchase rates based upon appropriate credit condition and scores, verified income and assets.
The following referenced scenarios are assuming $100,000 loan and down payment of 25%. The Annual Percentage Rates are
asfollows:
EXAMPLES:
Residential Property
Based on a 20-year fixed rate loan. If purchase price is $100,000 with 25% down payment of $25,000, loan amount
would be $75,000. Effective Annual Percentage Rate 5.188%.
Based on a 30-year fixed rate loan. If purchase price is $100,000 with 25% down payment of $25,000, loan amount
would be $75,000. Effective Annual Percentage Rate 5.327%.
Residential/Farm Property
Based on 10-year fixed rate loan. If purchase price is $100,000 with 25% down payment of $25,000, loan amount
would be $75,000. Annual Percentage Rate 5.806%.
Based on 20-year fixed rate loan. If purchase price is $100,000 with 25% down payment of $25,000, loan amount
would be $75,000. Annual Percentage Rate 5.701%.
All terms subject to change based upon organization/market changes. Equal Opportunity Lender. All terms subject
to full credit and collateral approval and SPJST underwriting.
You may call the SPJST at 254-773-1575 to request a loan information/application package.
HUD recommends visiting this site when applying for a mortgage.
http://www.hud.gov/offices/hsa/ramh res Scltlement-Booklel-Januarv-6-RI£VISHD.pdť
EUROPA FINANCING LLC NMLS NO. 607611
Brandon Sparks NMLS 273376
brandon(S)europafinancine.com
2212 Baltusrol Dr„ Austin, TX 78747
Ph: 512-796-4569; Fax 512-857-1030
EUROPA FINANCING LLC NMLS NO. 607611
Pat Patton NMLS 215194
pat(5>europafinancing.com
2212 Baltusrol Dr., Austin, TX 78747
Ph: 512-472-1095; Fax 512-282-8838
EUROPA FINANCING LLC NMLS No. 607611
Residential Mortgage Loan Originator Brandon Sparks NMLS No. 273376
Residential Mortgage Loan Originator Pat Patton NMLS No. 215194
10 Ray Life Pian
Continued from Page 1.
• Lifestyle Protection
• Future Funding for Emergency
• Maximize Pension
• Sociál Security Offset
• Replace Group Insurance
• Gifts
Seniors
• Finál Expenses
• Debt Protection
• Mortgage Acceleration
• Income Needs
• Lifestyle Protection
• Future Funding for Emergency
• Maximize Pension
• Sociál Security Offset
• Replace Group Insurance
• Gifts
• Equalization of Inheritances
• Legacy/Charity
• Wealth Replacement
• Dynasty Tmst Funding
The plan’s prémium is payable for
10 years and offered to ages zero to 70.
The minimum amount is $10,000 (or
$10 monthly prémium minimum).
For a free, no obligation quote, call
your local sales agent today. Or, call
the Home Office (800) 727-7578.
-SPJST-
• Uistrict Tlirw Fall run Day •
Sunday, October 28, 2012 • Lodge 84, Dallas
Moro lotoik on jrap 2.1.
Family Fun
and Important Dates
Oct. 16-18
October 20
October 20
October 28
October 28
Nov. 17
Nov. 23
Nov. 30
Dec. 1
Dec. 1
Dec. 1
Dec. 2
Dec. 3
Dec. 3
Dec. 7
Supreme Lodge Meeting
SPJST Home Office • Temple
Lodge 25, Ennis Youth Club
Garage Sále Fundraiser (3)
Lodge 48, Beyersville Progressive 42
Domino Tournament (2)
Distríct Three Fall Meeting/Fun Day
Lodge 84, Dallas
Lodge 88, Houston Czech Day (5)
SPJST Float • Tomball Holiday Parade (5)
SPJST Float • Fort Worth Christmas Parade (3)
SPJST Float • Cleburne Christmas Parade (3)
SPJST Float • Arlington Christmas Parade (3)
SPJST Float • Smithville Christmas Parade (1)
Lodge 97, Placedo Christmas Lunch
Věra Cruz, Victoria (6)
Lodge 49, Rowena Christmas Party (4)
SPJST Float • Temple Christmas Parade (2)
SPJST Home Office Christmas Open House
SPJST Float • Rosebud Christmas Parade (2)
Upcoming Pages
Here’s what’s next.
Search Inside
This issue can be searched. Note: Results may vary based on the legibility of text within the document.
Tools / Downloads
Get a copy of this page or view the extracted text.
Citing and Sharing
Basic information for referencing this web page. We also provide extended guidance on usage rights, references, copying or embedding.
Reference the current page of this Newspaper.
Zavodny, Melanie. Věstník (Temple, Tex.), Vol. 100, No. 41, Ed. 1 Wednesday, October 17, 2012, newspaper, October 17, 2012; Temple, Texas. (https://texashistory.unt.edu/ark:/67531/metapth631921/m1/3/: accessed July 5, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Slovanska Podporujici Jednota Statu Texas.