10 year*			15 year*			20 year*			30 year*
Rate %	Points	APR	Rate %	Points	APR	Rate %	Points	APR	Rate %	Points	APR
3.750	0	4.216%	3.875	0	4.202%	4.250	0	4.479%	4.500	0	4.668%
						4.000	1	4.345%	4.250	1	4.503%
*Additional pricing adjustments may apply. APR example is for a $100,000 loan with a 20% down payment.
Loans with lower down payments require Private Mortgage Insurance(PMI) which will increase the APR. 60 day rate lock period.
		SECOND CHANCE REFINANCE-NO CLOSING COSTS, FIXED RATES (Restrictions Apply)
Rate %		Term		Points		APR			Maximum LTV
4.250		10 Years		0		4.302%			80%
4.250		15 Years		0		4.286%			80%
APR example is based on a $100,000 loan at 80% loan to value. 60 day rate lock period.
	PURCHASE TRANSACTIONS- NO CLOSING COSTS, FIXED RATES (RESTRICTIONS APPLY)
Rate %		Term		Points		APR		Minimum	Down Payment Required
4.990		30 Years		0		5.015%		10%
4.250		15 Years		0		4.286%		10%
APR example is for a $100,000 loan with a 20% down payment.
Loans with lower down payments require Private Mortgage Insurance(PMI) which will increase the APR. 60 day rate lock period.