Rates subject to change without notice.
100% Financing is available on certain programs

Fixed Rate Mortgages
Effective as of 2010-03-16 08:14:25

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.750%5.783%$5.33
15.500%5.609%$5.16
25.250%5.433%$4.99

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
05.375%5.413%$5.60
15.125%5.252%$5.44
24.875%5.090%$5.29

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.125%5.175%$6.67
14.875%5.045%$6.53
24.625%4.915%$6.39

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.625%4.688%$7.71
14.375%4.589%$7.59
24.125%4.490%$7.46

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.500%4.590%$10.36
14.250%4.557%$10.24
24.000%4.524%$10.12

Interest First Mortgages
Effective as of 2010-03-16 08:14:25

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.250%6.290%$6.16
16.000%6.134%$6.00
25.750%5.976%$5.84

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
06.250%6.290%$6.16
16.000%6.134%$6.00
25.750%5.976%$5.84

Interest Only Mortgages
Effective as of 2010-03-16 08:14:25

3/1 ARM (3 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

3/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.125%3.447%$3.44
13.875%3.485%$3.23
23.625%3.524%$3.02

5/1 ARM (5 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

5/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.875%3.748%$4.06
14.625%3.761%$3.85
24.375%3.775%$3.65

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2010-03-15 08:49:03

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

20 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

15 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

10 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

Adjustable Rate Mortgage
Effective as of 2010-03-16 08:12:44

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years5.125%4.004%.39$5.44
5 Years4.750%3.714%.39$5.22

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years4.000%3.426%.39$4.77
1 Year3.250%3.298%.39$4.35

* After the initial fixed period expires, rates are adjusted on a 1 year period.
** Rate listed is for No Point ARMs

Construction Loans
Effective as of 2010-03-16 08:14:25

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
05.875%5.998%$5.92
15.625%5.840%$5.78
25.375%5.681%$5.60

15 Years

PointsInterest Rate APRPayment Per $1,000
04.875%5.076%$7.84
14.625%4.979%$7.71
24.375%4.882%$7.59

Fixed Rate Investment Properties
Effective as of 2010-03-15 08:49:03

30 Years

Interest Rate APRPayment Per $1,000
5.500%5.538%$5.68

15 Years

Interest Rate APRPayment Per $1,000
4.750%4.813%$7.78

1-2 family purchase 20% down payment required
3-4 family purchase 25% down payment required

Other fees may be applicable

Prime Rate
Effective as of 2008-12-17 09:37:39

Prime Rate

3.250%


*APR is based on $100,000.00 loan with a loan-to-value of 80%, closing the first day of the month including $419.00 in prepaid closing costs.