Rates subject to change without notice.
100% Financing is available on certain programs

Fixed Rate Mortgages
Effective as of 2009-11-20 08:58:04

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.500%5.532%$5.16
15.250%5.357%$4.99
25.000%5.180%$4.82

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
05.000%5.037%$5.37
14.750%4.874%$5.22
24.500%4.710%$5.07

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.875%4.925%$6.53
14.625%4.794%$6.39
24.500%4.789%$6.33

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.375%4.438%$7.59
14.250%4.463%$7.52
24.125%4.490%$7.46

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.250%4.340%$10.24
14.125%4.431%$10.18
24.000%4.524%$10.12

Interest First Mortgages
Effective as of 2009-11-20 08:58:04

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.125%6.164%$6.08
15.875%6.008%$5.92
25.625%5.850%$5.78

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
06.125%6.164%$6.08
15.875%6.008%5.92
25.625%5.850%$5.78

Interest Only Mortgages
Effective as of 2009-11-20 08:58:04

3/1 ARM (3 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

3/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.125%3.398%$3.44
13.875%3.436%$3.23
23.625%3.474%$3.02

5/1 ARM (5 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

5/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.875%3.705%$4.06
14.625%3.718%$3.85
24.375%3.732%$3.65

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2009-11-17 09:39:57

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

20 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

15 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

10 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

Adjustable Rate Mortgage
Effective as of 2009-11-20 08:56:04

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years5.000%3.921%.33%$5.37
5 Years4.750%3.671%.33%$5.22

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years4.000%3.376%.33%$4.77
1 Year3.500%3.256%.33%$4.49

* After the initial fixed period expires, rates are adjusted on a 1 year period.
** Rate listed is for No Point ARMs

Construction Loans
Effective as of 2009-11-20 08:58:04

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
05.250%5.369%$5.52
15.000%5.207%$5.37
24.750%5.045%$5.22

15 Years

PointsInterest Rate APRPayment Per $1,000
04.625%4.825%$7.71
14.375%4.727%$7.59
24.125%4.628%$7.46

Fixed Rate Investment Properties
Effective as of 2009-11-17 09:39:57

30 Years

Interest Rate APRPayment Per $1,000
5.125%5.162%$5.44

15 Years

Interest Rate APRPayment Per $1,000
4.500%4.563%$7.65

1-2 family purchase 20% down payment required
3-4 family purchase 25% down payment required

Other fees may be applicable

Prime Rate
Effective as of 2008-12-17 09:37:39

Prime Rate

3.250%


*APR is based on $100,000.00 loan with a loan-to-value of 80%, closing the first day of the month including $419.00 in prepaid closing costs.