Description Rate Origination Points Term (Months) *A.P.R.
15 Yr. Fixed Conv.  6.375% 0% 180 6.462%
20 Yr. Fixed Conv.  6.500% 0% 240 6.570%
30 Yr. Fixed Conv.  6.625% 0% 360 6.679%
30 Yr Rural Housing  6.000% 3% 360 6.288%
80/10/10 no PMI  6.750% 0% 360 6.804%
80/20 no PMI  6.875% 0% 360 6.929%
1 Yr. ARM  5.500% 0% 360 5.550%
3/1 ARM  6.125% 0% 360 6.177%
5/1 ARM  6.250% 0% 360 6.302%