Millions of homeowners with payment option adjustable rate mortgages may see their interest
rates and payments increase in the coming months. If you are one of them, we may be able to
help you refinance your loan now to a fixed rate for the term of your loan.

If you’re concerned about your ability to make your payments, it’s important to act now, before
your mortgage payment increases. If you don’t understand the terms of your adjustable-rate
mortgage, we can help by reviewing your documents with you to determine how much your
interest rate and payment will increase in the short term, and what the caps—or upper limits—
are over the life of your loan.

As your credit union, our goal is to help you make the best financial decisions for your family,
and not to just offer you another loan. If keeping the loan you have is in your best interest,
we’ll tell you so.

Be proactive. Find out where you stand today. Many people in financial trouble now didn’t fully
understand their mortgage until it was too late.

Please call one of our real estate lending representatives today at (707) 469-2000 or
(888) 698-0000 to see how we can help you with your mortgage situation. We’ll recommend
what’s best for you and your family—whether that means keeping your current mortgage or
refinancing it to one with a more affordable payment.

To further assist you, we have partnered with BALANCE Financial Fitness Program to provide
free financial counseling services to TCU members. To learn more, read the BALANCE story.