Rates for January 9th, 2009 - Rates Change Daily. Call for current pricing. BK#0902429

PROGRAM

30 Year Fixed Conventional 4.625%, 4.738%APR
30 Year Fixed Interest Only 6.375%, 6.488%APR
15 Year Fixed Conventional 4.25%, 4.363%APR
3/1 LIBOR ARM Conventional 4.75%, 4.863%APR
5/1 LIBOR ARM Conventional 4.625%, 4.738%APR
5/1 LIBOR ARM Interest Only 4.75%, 4.863%APR
30 Year FHA/VA 5.00%, 5.252%APR
*30 Day Locks

JUMBO $417,001+
30 Year Fixed (to $600k) 5.75%, 5.851%APR
15 Year Fixed (to $600k) 5.625%, 5.726%APR
5/1 Treasury ARM 5.375%, 5.476%APR
7/1 Treasury ARM 5.625%, 5.726%APR
*30 Day Locks

ONE-TIME CONSTRUCTION
Conforming & Jumbo (up to $8,000,000)
5/1 LIBOR ARM (Conforming) 6.375%, 6.757%APR
5/1 LIBOR ARM (Jumbo) 6.625%, 7.132%APR
*60 Day Locks

6, 9, 12, & 24 month construction phases.
Construction phase interest only rate = Note rate. Perm. Rates guaranteed through construction. (30 Year Amortization)

For Realtor purposes only; not for distribution to potential borrowers.
No discount points and 1% origination fee · Conforming rates based on loan amounts greater than $200,000, Min Fico 720


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