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

Fixed Rate Mortgages
Effective as of 2010-03-12 09:02:39

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
15.000%5.126%$5.37
24.750%4.963%$5.22

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.875%4.925%$6.53
14.750%4.920%$6.46
24.500%4.789%$6.33

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.500%4.563%$7.65
14.250%4.463%$7.52
24.125%4.490%$7.46

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 2010-03-12 09:02:39

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.125%6.164%$6.08
15.875%6.008%$5.92
25.625%5.850%$5.78

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 2010-03-12 09:02:39

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%3.406%$3.44
13.875%3.444%$3.23
23.625%3.482%$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%3.712%$4.06
14.625%3.725%$3.85
24.375%3.739%$3.65

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2010-03-12 08:58:23

($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 2010-03-12 08:57:55

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 Years4.750%3.678%.34$5.22

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years4.000%3.385%.34$4.77
1 Year3.250%3.250%.34$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 2010-03-12 09:02:39

(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
04.750%4.951%$7.78
14.500%4.853%$7.65
24.250%4.755%$7.52

Fixed Rate Investment Properties
Effective as of 2010-03-12 08:58:23

30 Years

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

15 Years

Interest Rate APRPayment Per $1,000
4.625%4.688%$7.71

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.