Rates Reflect "Purchase" of Primary Residence Only

Important notice - a credit score below 740 will have a negative impact on the rate due to new mortgage guidelines.

All Jumbo Rates are Subject to new Credit Score industry guidelines

*Rates as of Friday, October 10, 2008

 10:06:11 PM

Mortgage Rates	Interest Rate	Discount Point	Origination Fee	APR*
30 Year Fixed	6.125%	0.00%	1.00%	6.375%
30 Year Fixed plus 1 point	5.875%	1.00%	1.00%	6.375%
15 Year Fixed	6.00%	0.00%	1.00%	6.206%
40 Year Fixed	6.875%	0.00%	1.00%	6.999%
30 Year interest only 20 Year Fixed	n/a%	0.00%	1.00%	n/a%
Adjustable Rate Mortgage "ARM"
3/1 ARM APR* based on future adjusted rate change - 740 and above credit score required	n/a	0.00%	1.00%	n/a%
5/1 ARM  APR* based on future adjusted rate change - 740 and above credit score required	n/a%	0.00%	1.00%	n/a%
7/1 ARM  APR* based on future adjusted rate change - 740 and above credit score required	n/a%	0.00%	1.00%	n/a%
10/1 ARM APR* based on future adjusted rate change - 740 and above credit score required	n/a%	0.00%	1.00%	n/a%
Interest Only ARMS
3/1 ARM APR* based on future adjusted rate change - 740 and above credit score required	5.25	0.00%	1.00%	5.997%
Jumbo Loan Rates
30 Year Fixed Loan amounts above $417,000.00 and < 650k & 20% Down	7.55%	0.00%	1.00%	7.689%
30 Year Fixed Loan $450 - $900K 10% Down Special - No Mortgage Insurance!	7.875%	0.00%	1.00%	8.005%
5/1 ARM Loan $450 - $900K 10% Down Special - No Mortgage Insurance! Bonus Interest only or Fully Amortizing and No Escrow! Your Choice.	7.00%	0.00%	1.00%	7.379%
Construction Loans
Call to learn more. Starting May 1st, 2008	Call			Call
USDA Mortgage Loans
30 Year Fixed USDA No Mortgage Insurance	6.5%	0.00%	1.00%	6.627%

Please Read: Consumer Handbook on Adjustable Rate Mortgages.

Buying your home. Handbook.

*Rates are subject to change without notice and depend in part on your unique credit history and transaction characteristics. Loan pricing may only be locked through a home mortgage consultant to be effective.

The information is provided for illustrative purposes only.

All rate quotes shown come with one (1) point as an origination fee & Minimum 740 Credit Scores apply and approved credit.

If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the *ANNUAL PERCENTAGE RATE (APR).

Conforming loan rate and *ANNUAL PERCENTAGE RATE (APR) based on 20% down and a loan amount of $300,000.00 - 740 and above Credit Scores and approved credit.

Jumbo loan rate and  *ANNUAL PERCENTAGE RATE (APR) based on 25% down and a loan amount of $450,000.00. - 740 and above credit scores and approved credit.

ARM and  *ANNUAL PERCENTAGE RATE (APR) is based on the Start Rate and 1st Adjusted Rate Change which could be 2% higher. On adjustable-rate loans, rates and APR's are subject to increase over the life of the loan. Consumer Handbook on Adjustable Rate Mortgages.

Update to all loans: New FANNIE MAE & FREDDIE MAC credit score adjustments will now apply with credit scores below 740 middle score. You must complete and application along with credit and agency loan approval before a final rate can be quoted. Click Link to View Changes.

The displayed annual percentage rates (APRs) include total points and additional prepaid finance charges but do not include other closing costs. On adjustable-rate loans, rates are subject to increase over the life of the loan.

Tax Advantage Mortgage Insurance "TAMI": We now offer Lender Paid Mortgage Insurance also known as TAMI tax advantage mortgage insurance which can help reduce your monthly payment compared to paying a monthly mortgage insurance. Rates are slightly higher because the mortgage insurance is paid through your rate.