Rates effective February 03,2012

FIXED RATE MORTGAGES
	Points	Interest Rate	APR	Payment/$1,000
10 year	1	2.875%	3.118%	$9.68
	0	3.000%	3.033%	$9.66
15 year	1	3.000%	3.167%	$6.91
	0	3.125%	3.148%	$6.97
20 year	1	3.500%	3.632%	$5.80
	0	3.625%	3.643%	$5.86
30 year	1	3.625%	3.638%	$4.56
	0	3.875%	3.888%	$4.70
Annual Percentage Rates (APR) are based on $200,000 loan with a 20% down payment.

 

Fixed Rate Jumbo Mortgages
over $417,000	Points	Interest Rate	APR	Payment/$1,000
30 Year	0	4.875%	4.882%	$5.29
Annual Percentage Rates (APR) are based on a $417,001 loan with a 20% down payment.

Adjustable Rate Mortgages*
30 Years	Points	Interest Rate	APR	Payment/$1,000
5 to 1	0	3.500%	2.688%	$4.49
5 to 1 Jumbo	0	4.000%	2.857%	$4.77
Annual Percentage Rates (APR) are based on a $200,000 loan with a 20% down payment. Jumbo loans based on $417,001 with a 20% down payment.
*The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing.

 FIXED RATE SPECIALTY MORTGAGES

FHA - UP TO 96.5% FINANCING
Purchase Rates	Points	Interest Rate	APR	Payment/$1,000
30 Year, 1-4 Units	0	3.750%	3.801%	$4.63

APR = Annual Percentage Rate
Rates subject to change.