Rates are subject to change daily and 
subject to terms & conditions

Programs	Rate	APR
Fixed Mortgage (C.S. 720 , based on 100K loan amount ) see terms & conditions for refinance
30 yr 97%	6.750%	6.863
30 yr 95%	6.250%	6.36
20 yr 95%	6.125%	6.36
15 yr 95%	6.000%	6.19
ARM
3/1 (caps 226)	6.125%	6.24
5/1 (caps 226)	6.375%	6.36
7/1 (caps 525)	6.500%	6.61
10/1  IO (caps 525)	6.750%	6.86
Jumbo (based on minimum loan amount)
3/1	6.125%	6.15
5/1	6.625%	6.65
15 yr	6.375%	6.42
30 yr	6.750%	6.77
2nd Mortgage (80% CLTV, C.S. 720 ) Rates subject to change based on Loan Amount and Term
10 yr Fixed	6.99%	6.99
15 yr Fixed	7.49%	7.49
10/30 Yr Fixed	7.49%	7.49
90 to 100% LTV available	8.24%	8.24
HELOC Up to 100% CLTV, C.S. loan amount (Term of 120)	Prime  + or -
No Cosing Costs on 2nds >15K