LIVE THE DREAM. TWICE. Whether it's weekends at the lake or winters in the sun, Our SECOND HOME SPECIAL makes it possible. Rates as low as 6.5%/7.432% N NEIGHBORHOOD See a Neighborhood NATIONAL BANK NEIGHBORHOOD.BANK banker today! APR Annual Percentage Rate. APR will vary based on the current loan amount and finance charges. Financing available up to 80% LTV. This special offer is for second homes intended for personal use only and is not available for investment or rental properties. The property must be suitable for year-round use. The assumed credit score for the 6.50% rate is 750 or higher. Fixed for 60 months, then adjusts every 36 months based on the 3-year U.S. Treasury index plus margin, with an initial adjustment cap of +2%, periodic cap of +2%, and a lifetime cap of +6%. Principal and interest payments are due monthly; property insurance is required. Example: $250,000, 30-year ARM at 6.50% fixed for 5 years (APR 7.432%), adjusts every 3 years thereafter. Estimated monthly payment: $1,580.17 for the first 60 months. Payments exclude taxes and insurance. Effective date is 7/15/25. Offer and rate subject to change without notice. Additional home financing options are available. Contact your mortgage lender for more information. LENDER FDIC-INSURED LIVE THE DREAM . TWICE . Whether it's weekends at the lake or winters in the sun , Our SECOND HOME SPECIAL makes it possible . Rates as low as 6.5 % / 7.432 % N NEIGHBORHOOD See a Neighborhood NATIONAL BANK NEIGHBORHOOD.BANK banker today ! APR Annual Percentage Rate . APR will vary based on the current loan amount and finance charges . Financing available up to 80 % LTV . This special offer is for second homes intended for personal use only and is not available for investment or rental properties . The property must be suitable for year - round use . The assumed credit score for the 6.50 % rate is 750 or higher . Fixed for 60 months , then adjusts every 36 months based on the 3 - year U.S. Treasury index plus margin , with an initial adjustment cap of + 2 % , periodic cap of + 2 % , and a lifetime cap of + 6 % . Principal and interest payments are due monthly ; property insurance is required . Example : $ 250,000 , 30 - year ARM at 6.50 % fixed for 5 years ( APR 7.432 % ) , adjusts every 3 years thereafter . Estimated monthly payment : $ 1,580.17 for the first 60 months . Payments exclude taxes and insurance . Effective date is 7/15/25 . Offer and rate subject to change without notice . Additional home financing options are available . Contact your mortgage lender for more information . LENDER FDIC - INSURED