Fixed Rates
10 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.418%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.655%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.267%  0.000%
Adjustable Rates
3/1 Adjustable Rate
 Rate  APR  Points
 3.250%  4.224%  0.000%
5/1 Adjustable Rate
 Rate  APR  Points
 3.500%  4.152%  0.000%
5/5 ARM
 Rate  APR  Points
 3.750%  4.163%  0.000%
7/1 Adjustable Rate
 Rate  APR  Points
 3.750%  3.764%  0.000%
First Time Homebuyer
30 Year First Time Homebuyer
 Rate  APR  Points
 5.250%  5.268%  0.000%
5/5 ARM First Time Home Buyer
 Rate  APR  Points
 4.750%  4.531%  0.000%