Program		Rates	Points	APR
30 Year Fixed		5.50	.75	5.656
30 Year Fixed		5.625	No Points	5.712
15 Year Fixed		4.875	.75	5.136
15 Year Fixed		5.125	No Points	5.136
3/1 Libor ARM		4.375	No Points	4.518
3/1 Libor ARM		4.00	.75	4.25
5/1 Libor ARM		4.75	No Points	4.894
5/1 Libor ARM		4.50	.75	4.758

License #01048522