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

Fixed Rate Mortgages
Effective as of 2009-11-05 11:13:51

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
05.125%5.162%$5.44
15.000%5.126%$5.37
24.750%4.963%$5.22

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.125%5.175%$6.67
14.875%5.045%$6.53
24.625%4.915%$6.39

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.500%4.563%$7.65
14.375%4.589%$7.59
24.250%4.616%$7.52

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.375%4.465%$10.30
14.250%4.557%$10.24
24.125%4.650%$10.18

Interest First Mortgages
Effective as of 2009-11-05 11:13:51

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.250%6.290%$6.16
16.000%6.134%$6.000
25.750%5.976%$5.84

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 2009-11-05 11:13:51

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
04.375%3.490%$3.65
14.125%3.529%$3.44
23.875%3.567%$3.23

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
05.125%3.816%$4.27
14.875%3.830%$4.06
24.625%3.845%$3.85

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2009-11-05 10:52:33

($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 2009-11-06 08:30:10

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years5.250%4.050%.39%$5.52
5 Years5.000%3.782%.39%$5.37

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years4.250%3.469%.39%$4.92
1 Year3.625%3.320%.39%$4.56

* 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 2009-11-05 11:13:51

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
05.375%5.495%$5.60
15.125%5.334%$5.44
24.875%5.172%$5.29

15 Years

PointsInterest Rate APRPayment Per $1,000
04.750%4.951%$7.78
14.500%4.853%$7.65
24.250%4.755%$7.52

Fixed Rate Investment Properties
Effective as of 2009-11-05 10:52:33

30 Years

Interest Rate APRPayment Per $1,000
5.250%5.287%$5.52

15 Years

Interest Rate APRPayment Per $1,000
4.625%4.688%$7.71

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.