*All loans subject to credit approval. Loan-to-value restrictions may apply. Promotional rate applies to home purchase or refinance loans. The initial payment on a 30-year $250,000 5-year Adjustable-Rate Loan at 3.75% and 80% loan-to-value (LTV) is $1157.79 with no points due at closing. The Annual Percentage Rate (APR) is 4.735%. The interest rate is fixed for the 1st 5 years, rate can change on the 61st month and every 12 months thereafter. The rate is based on the 12-month Libor Index plus 2.25% margin. The rate cannot increase or decrease more than 2% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate. Payment estimate does not include taxes or insurance premiums. Actual payment amount may be greater. Promotional period begins October 1, 2018 and ends December 31, 2018. Rate must be locked-in during promotional period. Fees may apply to extend rate lock beyond 45 days if necessary. Details of promotion subject to change without notice. Lender fees waived include a $400 application fee, $250 document prep fee, and $250 processing fee. Fees charged by a third-party will still apply. Lender fees only waived on loans serviced by Smart Financial. Fees charged by a third-party will still apply. Lender fees will not be waived for loans sold to a third-party investor.