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| TODAY'S RATES: Adjustable Rate Mortgages | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | 1 Year Non-Convertible ARM | 4.000% | 1.25 | 5.13% | | 1 Year Non-Convertible ARM | 4.500% | 0.00 | 5.07% | | 1 Year Non-Covertible JUMBO ARM** | 4.750% | 0.00 | 5.09% | | 1 Year Non-Covertible JUMBO ARM** | 5.000% | 1.25 | 5.11% | | 1 Year Convertible ARM | 4.125% | 1.25 | 5.14% | | 1 Year Convertible ARM | 4.625% | 0.00 | 5.08% | | 3/1 ARM | 5.250% | 0.00 | 5.16% | | 3/1 Year JUMBO ARM** | 5.750% | 0.00 | 5.28% | | 5/1 ARM | 5.600% | 0.00 | 5.4628 | | 5/1 Year JUMBO ARM** | 6.100% | 0.00 | 5.50% | | Interest Only - 5/1 ARM | 6.750% | 0.00 | 5.75% | | HLPR Mortgage 3/1 ARM | 5.000% | 0.00 | 5.19% | | Conversion Option Rate: | 30 Year = 6.375% | n/a | n/a | | Conversion Option Rate: | 15 Year = 5.750% | n/a | n/a |
| TODAY'S RATES: Conventional Fixed Rate | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | 40 Year Fixed | 6.875% | 0.00 | 6.88% | | 30 Year Fixed | 6.000% | 1.75 | 6.17% | | 30 Year Fixed | 6.250% | 0.75 | 6.32% | | 30 Year Fixed | 6.500% | 0.00 | 6.50% | | 20 Year Fixed | 5.875% | 1.75 | 6.09% | | 20 Year Fixed | 6.125% | 0.75 | 6.22% | | 20 Year Fixed | 6.375% | 0.00 | 6.38% | | 15 Year Fixed | 5.375% | 1.75 | 5.65% | | 15 Year Fixed | 5.625% | 1.00 | 5.78% | | 15 Year Fixed | 5.875% | 0.00 | 5.88% | | 10 Year Fixed | 5.250% | 2.25 | 5.75% | | 10 Year Fixed | 5.500% | 1.25 | 5.78% | | 10 Year Fixed | 5.875% | 0.00 | 5.88% |
| TODAY'S RATES: Conventional Bi-Weekly Rate | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | 30 Year Fixed | 6.000% | 1.75 | 6.19% | | 30 Year Fixed | 6.250% | 0.75 | 6.32% | | 30 Year Fixed | 6.500% | 0.00 | 6.50% | | 15 Year Fixed | 5.375% | 1.75 | 5.66% | | 15 Year Fixed | 5.625% | 1.00 | 5.78% | | 15 Year Fixed | 5.875% | 0.00 | 5.88% |
| TODAY'S RATES: Alt '97 Fixed Rate Mortgages | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | Alt '97 30 Year Fixed | 7.250% | 0.00 | 7.25% | | Alt '97 20 Year Fixed | 7.125% | 0.00 | 7.13% | | Alt '97 15 Year Fixed | 6.625% | 0.00 | 6.63% |
| TODAY'S RATES: Construction Loans | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | 1 Year ARM | 4.750% | 2.25 | 5.18% | | Non-Convertible | 4.500% | 1.00 | 5.05% | | 1 Year ARM | 4.125% | 2.25 | 5.13% | | Convertible Option | 4.625% | 1.00 | 5.06% | | 3/1 ARM | 5.250% | 1.00 | 5.13% | | 5/1 ARM | 5.600% | 1.00 | 5.28% |
| TODAY'S RATES: FHA Mortgages | | Loan Sub-Account Description | Rate*
Effective 9/5/2008 PM* | Points | Annual Percentage Rate (APR) | | 203(b) 30 Year fixed | 6.000% | 0.750 | 6.57% | | 203(b) 30 Year fixed | 6.125% | 0.250 | 6.65% | | 203(b) 30 Year fixed | 6.250% | 0.000 | 6.76% | | 203(b) 15 Year fixed | 6.000% | 0.125 | 6.86% | | 203(b) 15 Year fixed | 6.500% | 0.000 | 7.35% | | 203(b) 1 Year ARM | n/a | n/a | n/a | | 203(b) 1 Year ARM | n/a | n/a | n/a |
| TODAY'S RATES: EZRefi Option | | Term | Annual Percentage Rate*
Effective 9/5/2008 PM* | | Maximum 15 Years | 6.375% |
*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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