Rate Sheet

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Current posted rates are in effect as of 08/31/2011 9:42:52 AM Central Time.
Rates are subject to change without notice.

30 Year Fixed Conventional
Rate	Points	APR	Lock Days
4.375%	0.000%	4.414%	35
4.125%	0.750%	4.227%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

FHA 30 year 96.5% Financing
Rate	Points	APR	Lock Days
4.250%	0.000%	4.876%	35
4.000%	1.000%	4.655%	35

20 Year Fixed Conventional
Rate	Points	APR	Lock Days
4.125%	0.000%	4.163%	35
4.000%	1.000%	4.122%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

15 Year Fixed Conventional
Rate	Points	APR	Lock Days
3.500%	0.000%	3.567%	35
3.250%	0.750%	3.426%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

10 Year Fixed Conventional
Rate	Points	APR	Lock Days
3.250%	0.000%	3.346%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

5/1 ARM 30 year Amortization
Rate	Points	APR	Lock Days
3.250%	0.000%	3.346%	35
3.000%	1.000%	3.355%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

7/1 ARM 30 year Amortization
Rate	Points	APR	Lock Days
3.375%	0.000%	3.386%	35
3.125%	1.000%	3.369%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

10/1 ARM 30 year Amortization
Rate	Points	APR	Lock Days
3.750%	0.000%	3.589%	35
3.500%	1.000%	3.539%	35
The APR is calculated using a loan amount of $250,000 and these typical fees.

30 Year Fixed Rate Jumbo
Rate	Points	APR	Lock Days
4.875%	0.000%	4.895%	35
4.625%	1.000%	4.732%	35
The APR is calculated using a loan amount of $500,000 and these typical fees.

5/1 ARM 30 Year Jumbo
Rate	Points	APR	Lock Days
3.375%	0.000%	4.399%	35
3.000%	1.000%	4.378%	35
The APR is calculated using a loan amount of $500,000 and these typical fees.

10/1 ARM 30 Year Jumbo
Rate	Points	APR	Lock Days
4.125%	0.000%	3.884%	35
4.000%	0.125%	3.819%	35
The APR is calculated using a loan amount of $500,000 and these typical fees.

Portfolio 15yr 95% With No PMI
Rate	Points	APR	Lock Days
4.500%	0.000%	4.541%	30
4.250%	1.000%	4.441%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

Portfolio 30yr Doctor Loan
Rate	Points	APR	Lock Days
4.625%	0.750%	4.714%	0
The APR is calculated using a loan amount of $417,000 and these typical fees.

Portfolio 5/1 ARM 90% NO PMI
Rate	Points	APR	Lock Days
4.125%	0.000%	3.749%	30
3.625%	0.750%	3.691%	30
The APR is calculated using a loan amount of $650,000 and these typical fees.

Lot Loan 3 yr Balloon
Rate	Points	APR	Lock Days
6.000%	0.250%	6.179%	30
The APR is calculated using a loan amount of $100,000 and these typical fees.

Conventional Conforming rates are based on a credit score of 740 or higher and 80% loan to value for the PURCHASE of a primary residence. Higher loan amounts may receive rates lower than posted and lower loan amounts may receive higher rates than posted. Please call us for a quote.

Jumbos rates are based on a credit score of 740 or higher and 75% loan to value.

ARM loans quoted at 75% LTV with 740 minimum score. Please call us for a quote.