Fixed Rates
10 Year Fixed Rate
 Rate  APR  Points
 2.875%  2.934%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.291%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.024%  0.000%
Adjustable Rates
3/1 Adjustable Rate
 Rate  APR  Points
 3.250%  3.944%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 3.500%  3.920%  0.000%
5/5 ARM
 Rate  APR  Points
 3.750%  3.930%  0.000%
7/1 Adjustable Rate
 Rate  APR  Points
 3.750%  3.570%  0.000%
First Time Homebuyer
30 Year First Time Homebuyer
 Rate  APR  Points
 5.000%  5.025%  0.000%
5/5 ARM First Time Home Buyer
 Rate  APR  Points
 4.750%  4.299%  0.000%