Rates for 2/2/2012

Conventional Poducts Program Name Rate Points Payment APR 30 Year Fixed 4.000% 0.000 pts $787 4.016% 3.950% 0.250 pts $782 3.987% 15 Year Fixed 3.500% 0.000 pts $1179 3.529% 3.375% 0.250 pts $1169 3.440% 10 Year Fixed 3.250% 0.250 pts $1612 3.344% 3.000% 1.250 pts $1593 3.301% 3/1 Year ARM 3.125% 0.000 pts $706 3.140% 2.625% 1.000 pts $662 2.716% 5/1 Year ARM 3.000% 0.000 pts $695 3.015% 2.750% 1.000 pts $673 2.842% 7/1 Year ARM 3.250% 0.000 pts $718 3.266% 3.000% 1.000 pts $695 3.093% *Please Note: Example loan payments and APR rates are based on loan amounts of $165,000. The payment and APR on your specific loan may differ. Payment is not reflective of any taxes and insurance that may apply. Contact Us Today for Your Personalized Rate

FHA-VA Products Program Name Rate Points Payment APR 30 Year FHA Fixed 3.750% -0.500 pts $764 3.725% 3.500% 1.000 pts $740 3.596% 15 Year FHA 3.250% -1.000 pts $1159 3.134% 3.000% 0.250 pts $1139 3.064% 30 Year VA Fixed 3.750% -0.250 pts $764 3.746% 3.500% 1.250 pts $740 3.616% 203K 4.250% -0.750 pts $811 4.203% 4.000% 0.250 pts $787 4.037% USDA Products Program Name Rate Points Payment APR USDA 4.000% 0.000 pts $787 4.016% 3.875% 0.500 pts $775 3.932%