Fixed Rates
10 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.418%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.406%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.875%  4.893%  0.000%
Adjustable Rates
3/1 Adjustable Rate
 Rate  APR  Points
 3.500%  4.753%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 3.750%  4.632%  0.000%
5/5 ARM
 Rate  APR  Points
 3.750%  4.399%  0.000%
7/1 Adjustable Rate
 Rate  APR  Points
 4.000%  4.595%  0.000%
First Time Homebuyer
30 Year First Time Homebuyer
 Rate  APR  Points
 5.875%  5.894%  0.000%
5/5 ARM First Time Home Buyer
 Rate  APR  Points
 4.750%  4.768%  0.000%