Description Rate Origination Points Term (Months) *A.P.R.
15 Yr. Fixed Rate  4.625% 0% 180 4.708%
20 Yr. Fixed Rate  5.000% 0% 240 5.066%
30 Yr. Fixed Rate  5.250% 0% 360 5.299%
30 Yr Rural Housing  5.500% 3% 360 5.780%
80/20 no PMI  6.875% 0% 360 6.929%
5/5 Adjustable Rate  6.250% 0% 360 6.302%