migrant Mortgage Company, Inc., a subsidiary of Emigrant Bank, provides personal service, flexible terms, and customized mortgage options for home buyers including:

Adjustable and Fixed Rate Mortgages Loans for 1-4 family homes, Co-ops and Condominiums Vacation/2nd Home and Investment Property Programs Cooperative Financing Eligible Purchases, Rate/Term and Cash-Out Refinancing Jumbo Mortgages Special Products for the Self-Employed and Foreign Nationals First-Time Home Buyers - Low Down Payment Programs SONYMA Loans - State of New York Mortgage Agency - Low Interest Rate Mortgage Program FNMA / FHLMC Loans - Federal National Mortgage Association - Freddie Mac No Income/No Asset Programs* *Subject to state specific laws and regulations Current Promotion

Working closely with you from application to closing, our knowledgeable mortgage consultants will draw upon Emigrant's wide variety of mortgage loan options and suggest the one that best meets your needs. No matter how unique your situation, Emigrant can design a financing solution that is right for you!

Related Benefits

• Pay your Emigrant Mortgage with an automatic debit from your checking or savings account.

Emigrant Mortgage Company is now originating loans in CT, DE, FL, MA, NH, NJ, NY, and PA.

To arrange for an appointment, call 1-800-EMIGRANT (1-800-364-4726), or send us an e-mail

Mortgage Brokers, click EMIGRANT MORTGAGE.

Residential Loan Fee Schedule for Existing Mortgage/Coop Loans Effective January 1, 2010
SERVICE PERFORMED	FEE REQUIRED
Returned Check Fee(1)	$20.00
Amortization Schedule	$10.00
Credit Verification	$10.00
Document Copies (Per Page)	$2.50
Duplicate 1098	$5.00
Assignment of Mortgage - Bank Fee (Includes Attorney Fee of $550.00)	$1,000.00
Partial Release of Mortgage	From $400.00
Co-Op Closing Attendance Fee	$350.00 to $400.00
Transfer of Title Fee (FHA/VA)	$125.00
Late charges and other fees will be assessed in accordance with the terms of your agreement. Fees are subject to change. Notice of changes may be given by revised copies of this fee schedule.
(1) For Maryland loans, $15.00 is assessed only upon second presentation of unpaid check.