Rates As Of 7/28/2010

1. Conforming up-to $417,000 - 30 year

4.25 % 1 point

4.375 0 point

2 Conforming up-to $417,000 - 20 year

4.25 0 point

3 Conforming up- $417,000 - 15 year

3.75 .50 point

3.875 .00 point

4. Conforming –Jumbo $417,001- 729,750 - 30 year

4.25 1.955 points

4.375 1 point

4.50 .50 point

4.625 .00 point

5 Conforming –Jumbo $417,001 -729,750 - 15 year

3.75 1.60 point

3.875 1.125 point

4.0 .50 point

4,.125 .00 point

6 Conforming –Jumbo $417,001-729,750 5/1 arm

3.375 1.375 point

3.50 1.00 point

3.625 .50 point

3.75 .00 point

JUMBO Over $729,750

4.625 1.00 point

4.626 .75 point

4.875 .00 point

******* All rates are based on a 740 mid-credit score. Rates may be different for, non-owner occupied transactions, condos, More than 1 unit .

Rates As Of 7/20/2010

30 year Conforming up-to $417,000

4.25 1.141 points

4.375 .34 points

4.50 .00 points

20 year Conforming up-to $417,000

4.25 .25 points

4.375 .00 points

15 year Conforming up-to $417,000

3.75 .70 points

3.875 .125 points

4.0 .00 points

30 year Conforming-Jumbo $417,001- $ 729,750

4.375 1.135 points

4.50 .70 points

4.625 .35 points

4.75 .00 points

15 year Conforming –Jumbo $417,001 - $729,750

3.875 1.325 points

4.00 .75 points

4.125 .50 points

4.25 .00 points

30 year Jumbo $729-751 -1,500,000

5.0 1.125 points

5.125 .85 points

5.25 .50 points

5.375 .00 points

15 year Jumbo – Fixed

4.375 1.125 points

4.50 1.00 points

4.625 .50 points

4.75 -00 points

******* All rates are based on a 740 mid-credit score. Rates may be different for, non-owner occupied transactions, condos, More than 1 unit .

Rates As Of 7/6/2010

30 year Conforming up-to $417,000

4.25 % 1.438 points

4.375 % .209 points

4.50 % . 00 points

20 year Conforming up-to $417,000

4.25% .305 points

4.375 . 00 points

15 Year Conforming up-to $417,000

3.75 % .667 points

3.875% .125 points

4.00 % .00 points

30 year Conforming-Jumbo $417,001-729,750

4.25 % 2.137 points

4.375% 1.00 points

4.50 % .625 points

4.625 % .375 points

4.75 % .00 points

15 year Conforming –Jumbo $417,001-729,750

3.75 % 1.937 points

3.875% 1.375 points

4.00 % .73 points

4.125 .43 points

4.25 .00 points

30 Year Jumbo up- to $1,500,000

5.125 % 1.100 points

5.25 % .55 points

5.375 % .00 points

******* All rates are based on a 740 mid-credit score. Rates may be different for, non-owner occupied transactions, condos, More than 1 unit .