HOME EQUITY 11

• Are there any prepayment penalties associated with a home equity loan?
• Do I pay closing costs on a home equity loan?
• How do I apply for a home equity loan?
• How do I contact Tower regarding servicing of my home equity loan?
• How do I settle on my home equity loan?

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HOME EQUITY LINE OF CREDIT 15

• Are there any prepayment penalties associated with a home equity line of credit?
• Do I pay closing costs on a home equity line of credit?
• How do I apply for a home equity line of credit?
• How do I contact Tower regarding servicing of my home equity line of credit?
• How do I make a payment?

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MORTGAGE ASSISTANCE 1

• Who should I call if I'm having trouble paying my Tower mortgage loan or if I need information about foreclosure prevention?

PURCHASE 9

• Are there any prepayment penalties?
• How can I make my mortgage payments?
• Is there a real estate loan that would enable me to buy a new house before I have sold my existing property?
• Should I pay points to get a lower rate?
• Loan discount points are prepaid interest assessed at closing by the lender. Each point is equal to 1 percent of the loan amount (for example, one point on a $100,000 loan would cost $1,000). Usually the more points you pay, the lower the i

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REFINANCE 2

• How much money will I need at closing?
• Why should I refinance?