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