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

Fixed Rate Mortgages
Effective as of 2010-07-29 09:29:12

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.875%4.905%$4.74
14.625%4.726%$4.58
24.375%4.546%$4.42

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
04.375%4.411%$4.99
14.125%4.245%$4.85
24.000%4.204%$4.77

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.250%4.299%$6.19
14.125%4.291%$6.13
24.000%4.283%$6.06

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
03.875%3.937%$7.33
13.750%3.960%$7.27
23.625%3.984%$7.21

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
03.750%3.839%$10.01
13.625%3.928%$9.95
23.500%4.019%$9.89

Interest First Mortgages
Effective as of 2010-07-29 09:29:12

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
05.625%5.663%$5.78
15.375%5.504%$5.60
25.125%5.343%$5.44

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
05.625%5.663%$5.78
15.375%5.504%$5.60
25.125%5.343%$5.44

Interest Only Mortgages
Effective as of 2010-07-29 09:29:12

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
03.125%3.175%$2.60
12.875%3.210%$2.40
22.625%3.246%$2.19

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
03.875%3.385%$3.23
13.625%3.395%$3.02
23.375%3.405%$2.81

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2010-07-16 08:22:26

($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 2010-07-29 09:26:05

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years4.125%3.554%.27$4.85
5 Years3.875%3.385%.27$4.70

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years3.000%3.153%.27$4.22
1 Year2.500%3.139%.27$3.95

* 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 2010-07-29 09:29:12

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
04.625%4.739%$5.14
14.375%4.575%$4.99
24.125%4.409%$4.85

15 Years

PointsInterest Rate APRPayment Per $1,000
04.125%4.322%$7.46
13.875%4.222%$7.33
23.625%4.121%$7.21

Fixed Rate Investment Properties
Effective as of 2010-07-16 08:22:26

30 Years

Interest Rate APRPayment Per $1,000
4.500%4.536%$5.07

15 Years

Interest Rate APRPayment Per $1,000
4.000%4.062%$7.40

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

A $150 Mortgage Application fee may apply. 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.