Fixed Rates 10 Year Fixed Rate  Rate  APR  Points  6.250%  6.300%  0.000% 15 Year Fixed Rate  Rate  APR  Points  7.125%  7.161%  0.000% 20 Year Fixed Rate  Rate  APR  Points  7.125%  7.154%  0.000% 30 Year Fixed Rate  Rate  APR  Points  7.375%  7.398%  0.000% Adjustable Rates 5/5 ARM  Rate  APR  Points  5.950%  5.998%  0.000% 7/1 Adjustable Rate  Rate  APR  Points  8.000%  7.906%  0.000% First Time Homebuyer 30 Year First Time Homebuyer  Rate  APR  Points  8.375%  8.399%  0.000% 5/5 ARM First Time Home Buyer  Rate  APR  Points  6.950%  6.401%  0.000%