Rates As Of 10/14/2010

30 year Conforming up-to $417,000

3.75% 1.375 points

3.875 .63 points

4.00 .125 points

4.125 .00 points

20 year Conforming up-to $417,000

3.75 % .75 points

3.875 .125 points

4.00 .00 points

15 year Conforming up-to $417,000

3.25 % .875 points

3.375 .375 points

3.50 .00 points

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

3.875% 1.63 points

4.00 1.125points

4.125 .63 points

4.25 .25 points

4.375 .00 points

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

3.75% 1.75 points

3.875 1.125points

4.00 .625 points

4.125 .125 points

4.25 .00 points

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

3.25 % 1.75 points

3.375 1.375 points

3.50 1.00 points

3.625 .625 points

3.75 .00 points

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

4.50 % 1.561 points

4.625 1.125 points

4.75 .875 points

4.875 .50 points

5.00 .125points

5.125 .00 points

***All rates subject to fico scores over 740. Rates may differ for non-owner, condos, and down-payments less than 20%

Rates As Of 10/12/2010

30 year Conforming up-to $417,000

3.875 .61 points

3.95 .51 points

4.00 .15 points

4.125 .00 points

15 year Conforming up-to $417,000

3.25 1.28 points

3.375 .40 points

3.50 .23 points

3.625 .00 points

10 year Conforming up-to $417,000

3.25 1.13 points

3.375 .00 points

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

4.25 .62 points

4.375 .125 points

4.50 .00 points

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

3.75 .125 points

3.875 .00 points

**** RATES ARE BASED ON A MID-FICO SCORE OF 740 AND ABOVE. RATES MAY CHANGE FOR CONDOS WITH AN LTV OVER 75%, NON-OWNER –OCCUPIED PROPERTIES, AND CASH OUT.

Rates As Of 10/1/2010

30 year Conforming Up-to $417,000

3.875 1.50 points

4.0 1.00 points

4.125 .375 points

4.25 .125 points

4.375 .00 points

20 year Conforming Up-to $417,000

3.75 1.75 points

3.875 1.00 points

4.00 .50 points

4.125 .00 points

15 year Conforming Up-to $417,000

3.75 .00 points

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

4.125 1.375 points

4.25 1.125 points

4.375 .25 points

4.50 .00 points

20 year Conforming –Jumbo $417,001 – 729,750

3.875 2.00 points

4.00 1.375 points

4.125 .75 points

4.25 .125 points

4.375 .00 points

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

3.75 .00 points

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

5.125 1.50 point

5.25 .69 point

5.375 .50 point

ALL RATES ARE SUBJECT TO A 740 FICO SCORE WITH 20 % DOWN-PAYMENT, RATES MAY DIFFER FOR OVER 1 UNITS, NON –OWNER –OCCUPIED , 2^ND HOMES