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- Advantage Article: Thursday, June 13, 2002 7-12 Year Mortgage Program At Deseret First, we do our best to work with you, as a partner, to help you make the right financial decisions. We believe this is one of them. Experts don't see rates going any lower, so it's a perfect time to get in and get ahead! Consider the following: A FIXED rate as low as 6.5% Annual Percentage Rate NO CLOSING COSTS NO ...www.deseretfirstcu.org