Conforming Loans
5/5 ARM
 Rate  APR  Points
 4.000%  4.994%  0.500%
5/1 Adjustable Rate
 Rate  APR  Points
 3.500%  4.837%  0.500%
30 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.809%  1.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.423%  0.875%
Home Equity Loans
Home Equity Line of Credit
 Rate  APR  Points
 1.990%  1.990%  0.000%
15 Year Fixed Second Mortgage
 Rate  APR  Points
 5.490%  5.739%  0.000%