Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.875%  5.073%  0.375%
 5.000%  5.165%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.731%  0.500%
 4.500%  4.800%  0.125%
5/1 Adjustable Rate
 Rate  APR  Points
 4.375%  5.051%  0.500%
 4.500%  5.087%  0.375%
30 Year Fixed Rate 97%
 Rate  APR  Points
 5.125%  5.314%  0.250%
 5.250%  5.418%  0.000%
15 Year Fixed Rate 97%
 Rate  APR  Points
 4.625%  4.984%  0.500%
 4.750%  5.052%  0.125%
FHA
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.875%  6.087%  0.375%
 5.000%  6.177%  0.000%
VA
VA 30 Year Fixed
 Rate  APR  Points
 5.000%  5.417%  0.250%
 5.125%  5.522%  0.000%