Description Rate Origination Points Term (Months) *A.P.R.
15 Yr. Fixed Rate  4.125% 0% 180 4.207%
20 Yr. Fixed Rate  4.500% 0% 240 4.565%
30 Yr. Fixed Rate  4.625% 0% 360 4.672%
30 Yr Rural Housing  4.750% 3% 360 5.017%
80/20 no PMI  6.875% 0% 360 6.929%
5/5 Adjustable Rate  6.250% 0% 360 6.302%