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

Fixed Rate Mortgages
Effective as of 2010-03-10 07:58:55

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.500%5.532%$5.16
15.250%5.357%$4.99
25.000%5.180%$4.82

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
05.125%5.162%$5.44
14.875%5.000%$5.29
24.750%4.963%$5.22

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.000%5.050%$6.60
14.625%4.794%$6.39
24.500%4.789%$6.33

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.375%4.438%$7.59
14.250%4.463%$7.52
24.000%4.363%$7.40

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.250%4.340%$10.24
14.125%4.431%$10.18
24.000%4.524%$10.12

Interest First Mortgages
Effective as of 2010-03-10 07:58:55

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.000%6.039%$6.00
15.750%5.882%$5.84
25.500%5.723%$5.68

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
06.000%6.039%$6.00
15.750%5.882%$5.84
25.500%5.723%$5.68

Interest Only Mortgages
Effective as of 2010-03-10 07:58:55

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
04.000%3.385%$3.33
13.750%3.422%$3.13
23.500%3.460%$2.92

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
04.750%3.678%$3.96
14.500%3.691%$3.75
24.250%3.704%$3.54

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2010-03-03 10:52:50

($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 2010-03-09 09:12:24

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years5.000%3.927%.34$5.37
5 Years4.625%3.643%.34$5.14

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years3.875%3.363%.34$4.70
1 Year3.125%3.243%.34$4.28

* 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 2010-03-10 07:58:55

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
05.375%5.495%$5.60
15.125%5.334%$5.44
24.875%5.172%$5.29

15 Years

PointsInterest Rate APRPayment Per $1,000
04.625%4.825%$7.71
14.375%4.727%$7.59
24.125%4.628%$7.46

Fixed Rate Investment Properties
Effective as of 2010-03-03 10:52:50

30 Years

Interest Rate APRPayment Per $1,000
5.250%5.287%$5.52

15 Years

Interest Rate APRPayment Per $1,000
4.500%4.563%$7.65

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.