No closing costs!**

*4.65% APR, for 15 year term effective thru 05/31/10, with LTV up to 65%. Min loan amount of $20,000, max loan amount $200,000 (new money at SPIRE) Cannot use loan proceeds to payoff any existing SPIRE debt. Commercial, agriculture and large acreage properties excluded from offer. Other exclusions may apply. Borrower must meet membership requirements to qualify for offer. Interest rates are subject to change and are subject to type of loan and borrower's credit history. Other rates and terms available. See your tax advisor for details regarding interest deductibility. Property must be owner occupied and located in MN or WI. Property Insurance is required.

**Effective 01/04/10, Terms & conditions of this No Closing Cost offer are as follows: Min loan amount of $20,000,max loan amount $200,000 (new money at SPIRE). Auto payment required. This offer does not include appraisal fees.

SPIRE is an Equal Housing Lender.

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