GUARANTEED CLOSING COSTS, INTEREST RATE AND POINTS ARE DELIVERED TO YOU AT CLOSING IF THE INTEREST RATE WAS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. A RATE LOCK DOES NOT GUARANTEE LOAN APPROVAL OR LOAN CLOSING. DUE TO U.S. TREASURY SECURITIES MARKETS, RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. APPLYING FOR A MORTGAGE LOAN OR LOCKING IN AN INTEREST RATE DOES NOT COMMIT YOU TO CLOSE YOUR LOAN. TO LOCK IN A RATE PLEASE CALL TOLL FREE 877-981-5626. ON JANUARY 1, 2010 TRUTH-IN-LENDING LAWS STIPULATE THAT ALL LENDER YIELD SPREAD PREMIUMS OR BROKER REBATES ARE TO BE CREDITED TO THE BORROWER IN ESCROW AT CLOSING. ALL LOANS WILL BE PRICED WITH POINTS, WHICH  MEANS TRUE 'NO POINT' OR 'NO COST LOANS' ARE NO LONGER AVAILABLE, HOWEVER, IT IS VERY IMPORTANT TO UNDERSTAND THAT REBATE POINTS PRICED AS A CASH REBATE CREDIT ARE LINKED TO A SPECIFIC INTEREST RATE AS EXPRESSED WITH POINTS. THE COMBINATION OF REBATE CREDIT POINTS AND THE ORIGINATION CHARGE POINTS SHOULD BE CONSIDERED BY YOU IN CLOSING YOUR LOAN. PLEASE SEE REBATES IN THE PROGRAM BOX AS STRUCTURED OR SYNTHETIC "NO POINT" AND "NO COST" PRICING IS OFTEN AVAILABLE.

Last update: 2010-07-30 12:19:00 EST UNLESS STATED 30 DAY RATE LOCKS ARE POSTED. TO LOCK IN A RATE PLEASE CALL TOLL FREE 877-981-5626. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. LENDER AND CREDIT PROCESSING FEES ARE GUARANTEED. THE INTEREST RATE, POINTS AND REBATE ARE GUARANTEED IF THE RATE IS LOCKED IN AND YOUR LOAN FUNDS BY THE LOCK EXPIRATION DATE. Conforming Loan Programs CONFORMING RATES FOR LOAN AMOUNTS $417,000 If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want! PROGRAM NOTE RATE % POINTS REBATE CREDIT POINTS NET POINTS APR % LOCK DAYS CONFORMING 30 YEAR FIXED NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 4.375 1.000 -1.310 -0.310 4.516 30 4.250 1.000 -0.380 0.620 4.509 30 CONFORMING 20 YEAR FIXED NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 4.250 1.000 -1.640 -0.640 4.269 30 CONFORMING 15 YEAR FIXED NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 3.875 1.000 -1.410 -0.410 3.990 30 3.750 1.000 -0.790 0.210 3.867 30 CONFORMING 5/1 ARM NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. CAPS 5/2/5; LIBOR + 2.250% MARGIN. CALL FOR INTEREST ONLY. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 3.250 1.000 -2.000 -1.000 3.174 30 3.125 1.000 -1.500 -0.500 3.171 30 3.000 1.000 -1.000 0 3.162 30 CONFORMING 7/1 ARM NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. CAPS 5/2/5; LIBOR + 2.250% MARGIN. CALL FOR INTEREST ONLY. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 3.375 1.000 -1.750 -0.750 3.332 30 3.250 1.000 -1.375 -0.375 3.290 30 Jumbo/Conforming 'High Balance' Loan Programs HIGH BALANCE $729,750 CONFORMING RATES. LOAN LIMITS MAY VARY BY COUNTY. If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want! PROGRAM NOTE RATE % POINTS REBATE CREDIT POINTS NET POINTS APR % LOCK DAYS HIGH BALANCE CONFORMING 30 YEAR FIXED NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 4.625 0.750 -1.080 -0.330 4.647 30 4.500 0.750 -0.660 0.090 4.614 30 HIGH BALANCE CONFORMING 15 YEAR FIXED NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 4.250 1.000 -1.250 -0.250 4.287 30 4.125 1.000 -0.330 0.670 4.213 30 4.000 1.000 0.070 1.070 4.167 30 HIGH BALANCE CONFORMING 5/1 ARM NO PREPAYMENT PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. CAPS 5/2/5; LIBOR + 2.250% MARGIN. CALL FOR INTEREST ONLY. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. 3.125 1.000 -1.750 -0.750 3.235 30 3.000 1.000 -1.250 -0.250 3.227 30 Jumbo Loan Programs JUMBO RATES TO $3 MILLION. PLEASE CALL FOR HIGHER LOAN AMOUNT QUOTES. If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want! PROGRAM NOTE RATE % POINTS REBATE CREDIT POINTS NET POINTS APR % LOCK DAYS SUPER JUMBO 5/1 ARM LOAN AMOUNTS UP TO $3 MILLION. NO PREPAYMENT PENALTY. CAPS 2/2/6; LIBOR + 2.500% MARGIN. 30 DAY LOCK AVAILABLE AT APPROVAL. NO IMPOUNDS. REBATE POINTS PAID AT CLOSING. CALL FOR INTEREST ONLY PRICING OPTION. 4.500 0.625 -0.625 0 3.587 30 Other Loan Programs $417,000 30 YEAR FIXED CONFORMING 'NO COST REBATE CREDIT PROGRAM.' If you don't find the rate you're looking for, CLICK HERE to let us know what rate you want! PROGRAM NOTE RATE % POINTS REBATE CREDIT POINTS NET POINTS APR % LOCK DAYS 30 YEAR FIXED REBATE PROGRAM NO PREPAY PENALTY. 30 DAY LOCK AVAILABLE AT APPROVAL. FICO SCORE AND/OR LTV PRICE ADJUSTMENTS MAY APPLY. REBATE CREDIT POINTS PAID AT CLOSING COVERS POINTS AND ALL NON-RECURRING CLOSING COSTS. 4.625 1.000 -2.010 -1.010 4.628 30 DISCLOSURE OF IMPORTANT LOAN TERMS APRs and Note Rate quotes are calculated based on a Conforming loan amount of $350,000 and a Jumbo loan amount of $500,000. Pricing terms can vary due to LTV, FICO score, income ratios and/or other underwriting factors. APRs often differ due to the compilation of closing costs used to compute an APR. You should pay particular attention to the Note Rate % and the dollar 'hard costs' that you must pay to close your specific loan. Interest Rates can change without prior notice. Ask us for current rate information. Borrowers and properties must qualify for all loan programs. Conditions and restrictions may apply.