Fixed Rates

30 Year	20 Year	15 Year
5.500 %	5.500%	4.875 %	2 Points
5.750 %	5.750%	5.250 %	1 Point
6.000 %	6.000 %	5.625 %	No Points

** Other conditions may apply to cash-out on refinances with higher than 70 % loan-to-value. Price adjustments may apply for loan to value and credit scores.

Private Investor - Adjustable Rate Mortgages

3/1 ARM	5.375%	1/2 Pt	Max Loan $417,000
4/1 ARM	5.750 %	1/2 Pt	Max LTV	95 %
5/1 ARM	6.000 %	1/2 Pt
6/1 ARM	6.125 %	1/2 Pt

CAPS: 2% Annual 6% Lifetime

Margin: 2.75 % Current Index: * %

* Index is 1 Year CMT

Above 80% loan-to-value - add .25 to rate

Stated Income Verification Loans

We also offer Stated/No Doc Fixed and Adjustable Rate Products. Call for special pricing.

Note: Rates and Points subject to change without notice.

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