Friday, September 05, 2008   
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All rates quoted below include a 1% origination fee. Discount points are in addition to and separate from origination fee.
For a zero point loan or for other loan programs please contact your Home Mortgage Consultant.

Effective Date: 9/5/2008

15 day Lock Exp: 9/22/2008
Change my Points: 
CONFORMING LOANS
Product Interest Rate Discount Points
Conforming 30 Year Fixed1 6 6.05 0
Conforming 15 Year Fixed2 5.5 5.59 0
Conforming 10/1 ARM3 5.88 5.87 0
Conforming 7/1 ARM4 5.75 4.94 0
Conforming 5/1 ARM5 5.5 4.82 0
Conforming 3/1 ARM6 5.88 4.49 0

JUMBO LOANS
Product Interest Rate Discount Points
Jumbo 30 Year Fixed7 8 8.04 0
Jumbo 15 Year Fixed8 7.5 7.56 0
Jumbo 10/1 ARM9 7.88 5.74 0
Jumbo 7/1 ARM10 7.38 5.3 0
Jumbo 5/1 ARM11 6.38 4.95 0

1Conforming 30 Year Fixed
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 30-year term. The Principal and Interest payment for this example would be $1,047.35. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

2Conforming 15 Year Fixed
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 15-year term. The Principal and Interest payment for this example would be $1,425.68. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

3Conforming 10/1 ARM
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 30-year term. The Principal and Interest payment for this example would be $1,033.90 for the first ten years and a maximum payment of $1,648.78 the eleventh year. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

4Conforming 7/1 ARM
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 30-year term. The Principal and Interest payment for this example would be $1,019.42 for the first seven years and a maximum payment of $1,631.64 the eighth year. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

5Conforming 5/1 ARM
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 30-year term. The Principal and Interest payment for this example would be $1,033.90 for the first five years and a maximum payment of $1,648.78 the sixth year. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

6Conforming 3/1 ARM
The above rate assumes a 20% down payment on a loan amount of $175,000 with a 30-year term. The Principal and Interest payment for this example would be $1,019.42 for the first three years and a maximum payment of $1,631.64 the fourth year. The results above assume discount points with 1% origination fee plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

7Jumbo 30 Year Fixed
The above rate assumes a 20% down payment on a loan amount of $420,000 with a 30-year term. The Principal and Interest payment for this example would be $3,076.90. The results above assume discount points with 1% origination fee plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

8Jumbo 15 Year Fixed
The above rate assumes a 20% down payment on a loan amount of $420,000 with a 15-year term. The Principal and Interest payment for this example would be $3,880.31. The results above assume discount points with 1% origination fee plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

9Jumbo 10/1 ARM
The above rate assumes a 20% down payment on a loan amount of $420,000 with a 30-year term. The Principal and Interest payment for this example would be $3,041.84 for the first ten years and a maximum payment of $4,109.45 the eleventh year. The results above assume discount points with 1% origination fee plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

10Jumbo 7/1 ARM
The above rate assumes a 20% down payment on a loan amount of $420,000 with a 30-year term. The Principal and Interest payment for this example would be $2,897.42 for the first seven years and a maximum payment of $3,963.53 the eighth year. The results above assume discount points with 1% origination fee plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

11Jumbo 5/1 ARM
The above rate assumes a 20% down payment on a loan amount of $420,000 with a 30-year term. The Principal and Interest payment for this example would be $2,617.02 for the first five years and a maximum payment of $3,675.25 the sixth year. The results above assume discount points with 1% origination fee plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20%, mortgage insurance may be needed which could increase the payment and APR.

Due to various federal, state and local requirements, certain products may not be available in all areas. Other restrictions may apply.

Closing costs are not included in the APR. The total points and additional prepaid finance charges are included in the Annual Percentage Rate. For adjustable rate transactions, rates are subject to increase over the life of the loan.

Rates are subject to change without notice, and loan pricing may be locked only through a home mortgage consultant to be effective.

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