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* Adjustable-Rate Mortgage: The payment on a 30-year $200,000 7-year Adjustable-Rate Loan at 2.75% and 70% loan-to-value (LTV) is $816.49 with 2 points due at closing. After 7 years, the principal and interest is $870.11. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. The Annual Percentage Rate (APR) is 3.293%. Rate is variable.