Fixed Rates
10 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.418%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.155%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.643%  0.000%
Adjustable Rates
3/1 Adjustable Rate
 Rate  APR  Points
 3.500%  4.565%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 3.750%  4.477%  0.000%
5/5 ARM
 Rate  APR  Points
 3.750%  4.320%  0.000%
7/1 Adjustable Rate
 Rate  APR  Points
 4.000%  4.080%  0.000%
First Time Homebuyer
30 Year First Time Homebuyer
 Rate  APR  Points
 5.625%  5.644%  0.000%
5/5 ARM First Time Home Buyer
 Rate  APR  Points
 4.750%  4.689%  0.000%