Single Family, Owner Occupied, Conventional Mortgage Rates
Type Point
(%)
Origination
Fee
Rate
(%)
*APR
(%)
Max
LTV
Annual/Life
Caps
Margin
Over TB
PMT/
$10M
10 YR Fixed 0.00% $200 4.500% 5.998% 90%     $103.64
15 YR Fixed 0.00% $200 4.500% 5.544% 90%     $76.50
20 YR Fixed 0.00% $200 4.750% 5.579% 90%     $64.62
25 YR Fixed 0.00% $200 4.875% 5.575% 90%     $57.73
30 YR Fixed 0.00% $200 4.875% 5.488% 90%     $52.92
1 YR ARM 0.00% $200 3.250% 8.794% 80% 2.00%/6.00% 2.75% $43.52
3 YR ARM 0.00% $200 3.500% 7.319% 80% 2.50%/5.00% 2.75% $44.90
5 YR ARM 0.00% $200 4.000% 7.104% 90% 3.00%/5.00% 2.75% $47.74
10/1 ARM 0.00% $200 4.500% 6.930% 90% 2.00%/6.00% 2.75% $50.67


*Annual Percentage Rate. All APR's and monthly payments assume a loan amount of $10,000. If the term is not indicated then the assumed term is 30 year. Initial rate is the floor rate. Refinance maximum LTV is 80%. Estimated closing costs are $2,500. Rates subject to change without notice. Second Mtg (1st elsewhere) max term is 15 years and max TLTV is 80% max term is 15 years. Construction loans are charged an additional fee of 1.00%. Rates are subject to change without notice.

Non-Owner Occupied, 1-2 Family Residential Mortgage Rates
Type Point
(%)
Origination
Fee
Rate
(%)
*APR
(%)
Max
LTV
Annual/Life
Caps
Mrgin
Over TB
PMT/
$10M
1 YR ARM 0.00% $200 4.000% 9.451% 75% 2.00%/6.00% 2.75% $60.60
5 YR ARM 0.00% $200 6.000% 8.710% 75%

3.00%/5.00%

2.75% $71.64
10/1 ARM 0.00% $200 6.000% 7.805% 75% 2.00%/6.00% 2.75% $71.64
Lot 60 mo 0.00% $200 10.000% 13.000% 75%     $212.47
Land(>5 ac) 36 Mo 0.00% $200 10.500% 15.228% 75%     $325.02


*Annual Percentage Rate. All APR's and monthly payments assume a loan amount of $10,000. If the term is not indicated then the assumed term is 20 year. Initial rate is the floor rate. Estimated closing costs are $2,500. Rates subject to change without notice.

Non-Qualifying Mortgage Loans (Over $417,000)
Type Point
(%)
Origination
Fee
Rate
(%)
*APR
(%)
Max
LTV
Annual/Life
Caps
Margin
Over TB
PMT/
$417,000
1 YR ARM 0.00% $200 7.125% 11.851% 80% 2.00%/6.00% 2.75% $2,809.41
5 YR ARM 0.00% $200 7.875% 10.150% 80%

3.00%/5.00%

2.75% $3,023.54


*Annual Percentage Rate. All APR's and monthly payments assume a loan amount of $417,000.
All terms are a maximum of 30 years. Initial rate is the floor rate.
Estimated closing costs are $5,500. Rates subject to change without notice