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  Effective: Sunday March 29, 2009

  

CONFORMING

JUMBO

LOAN TYPE

INTEREST RATE

A.P.R.*

INTEREST RATE

A.P.R.*

30 Year Fixed

N/A

N/A N/A N/A

20 Year Fixed

N/A N/A N/A N/A

15 Year Fixed

N/A N/A N/A N/A

Adjustable Rates

10/6  LIBOR

N/A N/A N/A N/A

7/6  LIBOR

N/A N/A N/A N/A

5/6  LIBOR

N/A

N/A N/A N/A

3/6  LIBOR

N/A N/A N/A N/A

6 Month  LIBOR

N/A

N/A N/A N/A

1 Month  LIBOR

N/A N/A N/A N/A

PLEASE CALL FOR ADDITIONAL PROGRAMS

*A.P.R. = Annual Percentage Rate - Calculation assumes a loan amount of  $350,000 for Conforming and $650,000 for Jumbo. Rate Lock Policy.

Not all consumers are eligible for the rate shown, and your rate may vary. Rates and Programs are subject to change without notice. Rates shown assume perfect and substantial credit history. Your interest rate and closing expenses cannot be determined until you have submitted an application and obtained an approval or loan commitment.