Conforming Fixed Rate Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.401%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.170%  0.000%
Jumbo & Portfolio Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.513%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.273%  0.000%
10 Year Fixed
 Rate  APR  Points
 4.125%  4.158%  0.000%
7 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 3.875%  4.661%  0.000%
5 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 4.000%  4.876%  0.000%
5/5 ARM 40 Year Term
 Rate  APR  Points
 3.750%  5.125%  0.000%
3 Year Adjustable Rate (30 year term)
 Rate  APR  Points
 3.750%  4.997%  0.000%