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| TODAY'S RATES: Adjustable Rate Mortgages | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | 1 Year Non-Convertible ARM | 4.000% | 1.25 | 3.64% | | 1 Year Non-Convertible ARM | 4.500% | 0.00 | 3.58% | | 1 Year Non-Covertible JUMBO ARM** | 4.750% | 0.00 | 3.60% | | 1 Year Non-Covertible JUMBO ARM** | 5.000% | 1.25 | 3.72% | | 1 Year Convertible ARM | 4.125% | 1.25 | 3.65% | | 1 Year Convertible ARM | 4.625% | 0.00 | 3.59% | | 3/1 ARM | 5.250% | 0.00 | 3.90% | | 3/1 Year JUMBO ARM** | 5.750% | 0.00 | 4.03% | | 5/1 ARM | 5.600% | 0.00 | 4.27% | | 5/1 Year JUMBO ARM** | 6.100% | 0.00 | 4.50% | | HLPR Mortgage 3/1 ARM (please call for rate) | n/a | n/a | n/a | | Conversion Option Rate: | Please call for rates | n/a | n/a |
| TODAY'S RATES: Conventional Fixed Rate | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | 30 Year Fixed | 5.000% | 1.75 | 5.16% | | 30 Year Fixed | 5.250% | 0.75 | 5.32% | | 30 Year Fixed | 5.625500 | 0.00 | 5.50% | | 20 Year Fixed | 5.000% | 1.75 | 5.21% | | 20 Year Fixed | 5.250% | 0.75 | 5.34% | | 20 Year Fixed | 5.500% | 0.00 | 5.50% | | 15 Year Fixed | 4.375% | 2.00 | 4.68% | | 15 Year Fixed | 4.625% | 0.75 | 4.74% | | 15 Year Fixed | 4.875% | 0.00 | 4.88% | | 10 Year Fixed | 4.375% | 2.25 | 4.87% | | 10 Year Fixed | 4.625% | 1.00 | 4.84% | | 10 Year Fixed | 4.875% | 0.00 | 4.88% |
| TODAY'S RATES: Conventional Bi-Weekly Rate | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | 30 Year Fixed | 5.250% | 2.00 | 5.44% | | 30 Year Fixed | 5.500% | 1.00 | 5.59% | | 30 Year Fixed | 5.875% | 0.00 | 5.86% | | 15 Year Fixed | 4.625% | 2.00 | 4.95% | | 15 Year Fixed | 4.875% | 1.00 | 5.03% | | 15 Year Fixed | 5.250% | 0.00 | 5.24% |
| TODAY'S RATES: Alt '97 Fixed Rate Mortgages | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | Alt '97 30 Year Fixed | 6.250% | 0.00 | 6.25% |
| TODAY'S RATES: Construction Loans | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | 1 Year ARM | 4.750% | 2.25 | 7.57% | | Non-Convertible | 4.500% | 1.00 | 7.41% | | 1 Year ARM | 4.125% | 2.25 | 7.62% | | Convertible Option | 4.625% | 1.00 | 7.54% | | 3/1 ARM | 5.250% | 1.00 | 7.64% | | 5/1 ARM | 5.600% | 1.00 | 7.57% |
| TODAY'S RATES: FHA Mortgages | | Loan Sub-Account Description | Rate*
Effective 7/2/2009 AM* | Points | Annual Percentage Rate (APR) | | 203(b) 30 Year fixed | 5.750% | 0.625 | 6.36% | | 203(b) 30 Year fixed | 5.875% | 0.250 | 6.45% | | 203(b) 30 Year fixed | 6.000% | 0.000 | 6.56% | | 203(b) 15 Year fixed | 5.000% | 1.250 | 5.59% | | 203(b) 15 Year fixed | 5.500% | 0.000 | 5.90% |
*Rates are posted twice a day (AM and PM) and are subject to change without notice.
**JUMBO product is for loans ranging in amounts of $417,001 to $2,000,000. Maximum loan amount and minimum downpayment required are determined by number of units and whether this is a primary (max 4 units) or vacation (max 1 unit) home.
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