Conforming Fixed Rate Loans
30 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.647%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.540%  0.000%
Jumbo & Portfolio Loans
30 Year Fixed Rate
 Rate  APR  Points
 3.875%  3.886%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.645%  0.000%
10 Year Fixed
 Rate  APR  Points
 3.625%  3.654%  0.000%
7 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 3.500%  4.037%  0.000%
5 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 3.500%  4.150%  0.000%
5/5 ARM 40 Year Term
 Rate  APR  Points
 3.375%  4.929%  0.000%
3 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 3.500%  4.279%  0.000%