Rate Sheet

30 year fixed
Rate	Points	APR	Lock Days
3.625%	0.000%	3.641%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

30 year fixed - with points
Rate	Points	APR	Lock Days
3.250%	1.750%	3.490%	30

30 Year Fixed FHA
Rate	Points	APR	Lock Days
3.750%	0.000%	3.779%	30
The APR is calculated using a loan amount of $250,000 and these typical fees.

30 year fixed NO FEE-Closing Cost Credit
Rate	Points	APR	Lock Days
3.875%	0.000%	3.875%	30

15 Year Fixed
Rate	Points	APR	Lock Days
2.875%	0.000%	2.903%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

20 year fixed
Rate	Points	APR	Lock Days
3.500%	0.000%	3.522%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

5/1 arm
Rate	Points	APR	Lock Days
2.500%	0.000%	3.101%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

5/1 arm - Interest Only Payment
Rate	Points	APR	Lock Days
2.875%	0.000%	3.208%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

7/1 arm
Rate	Points	APR	Lock Days
2.875%	0.000%	3.163%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

7/1 ARM - Interest Only Payment
Rate	Points	APR	Lock Days
3.250%	0.000%	3.319%	30
The APR is calculated using a loan amount of $250,000 and these typical fees.

30 year fixed - jumbo
Rate	Points	APR	Lock Days
4.500%	0.000%	4.513%	30
The APR is calculated using a loan amount of $550,000 and these typical fees.

15 year fixed - jumbo
Rate	Points	APR	Lock Days
4.000%	0.000%	4.022%	30
The APR is calculated using a loan amount of $550,000 and these typical fees.

5/1 arm Jumbo
Rate	Points	APR	Lock Days
3.750%	0.125%	3.806%	30
The APR is calculated using a loan amount of $550,000 and these typical fees.

7/1 arm Jumbo
Rate	Points	APR	Lock Days
4.500%	0.125%	3.656%	30
The APR is calculated using a loan amount of $550,000 and these typical fees.

NO PRE PAYMENT PENALTIES on all conventional and FHA programs. Rates and APR's are based on loan amounts of $417,000 for Conforming Loans, $346,250 for FHA and $550,000 for Jumbo Loans. Loan Amounts between $100,000 and $150,000, add .125 to the rate. No fee / no cost loan requires a minimum loan amount of $250,000 - lower loan amounts require slightly higher rates. No impound/escrow account add .25 to points or .125 to rate. Rates are based on purchases with a minimum of 25% down and rate/term refinances with 75% equity or more and successful validation of appraised value of subject property. Rates assume a minimum credit score of 740. Rates, points and programs cannot be guaranteed and are subject to change without notice. ARM Products: Rates are subject to increase after settlement. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

Current posted rates are in effect as of 05/18/2012 11:06:37 AM Central Time.
Rates are subject to change without notice.