Rates Updated on:

1/5/2009

Loan Program

Rate (%)

Points (%)

APR (%)

40 Year Fixed

                           7.375

1

                           7.675

                           7.875

0

                           8.075

30 Year Fixed

                           5.125

1

                           5.425

                           5.625

0

                           5.825

20 Year Fixed

                           5.500

1

                           5.800

                           6.000

0

                           6.200

15 Year Fixed

                           4.875

1

                           5.175

                           5.375

0

                           5.575

5/1 ARM

                           6.750

1

                           7.050

                           7.250

0

                           7.450

*Rates are subject to change without notice.

Posted rates assume credit, income, and property qualification.  Rates based on a loan amount between: $75,000 and $417,000 on a 1-unit single family primary residence, Loans that exceed 80% LTV may be subject to mortgage insurance which will effect your total monthly payment.  Taxes and insurance escrows are not included.