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  Rates For 1/5/2009
       Program Name Rate Points

     30 Year FHA Fixed 5.000 % 0.500 pts
  4.750 % 1.500 pts

     15 Year FHA Fixed 4.750 % 1.000 pts
  4.500 % 2.000 pts

     30 Year VA Fixed 5.500 % 0.250 pts
  5.375 % 1.000 pts

     FHA 1 Year ARM 5.000 % 4.000 pts
  5.125 % 4.500 pts

     203K FHA Rates 5.750 % 1.000 pts
  5.500 % 1.500 pts
 
  Rates For 1/5/2009
     Program Name Rate Points

     30 Year Fixed  5.250 % 0.750 pts
  5.000 % 1.000 pts

     20 Year Fixed * 5.250 % 0.000 pts
  5.000 % 1.000 pts

     15 Year Fixed * 4.750 % 0.000 pts
  4.500 % 1.000 pts

     10 Year Fixed * 4.500 % 0.000 pts
  4.250 % 1.000 pts

     1 Year Conventional ARM 3.750 % 0.000 pts
  3.500 % 1.000 pts

     3/1 Year ARM 4.250 % 0.000 pts
  4.000 % 1.000 pts

     5/1 Year ARM 4.500 % 0.000 pts
  4.250 % 1.000 pts

     7/1 Year ARM 4.750 % 0.000 pts
  4.500 % 1.000 pts

Please Note:
*Bi-weekly rate.
Points less than zero indicate they are paid by the lender.
Rates and points subject to change without notice. Rates quoted are indications
Higher loan amounts may receive more favorable pricing than lower amount.
Lower rates with additional points or higher rates with less or no pts./closing costs paid for borrower also available.


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Syracuse Securities
1010 James Street
Syracuse, NY 13203
(315)424-0218
NYS Only: (800)448-3200
Fax: (315)424-6055

Equal Housing Lender - Licensed Mortgage Banker - NYS Banking Department

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