First Time Homebuyer Loans First Time Home Buyer 30 Year Fixed  Rate  APR  Points  6.750%  6.814%  0.000% First Time Home Buyer 5/1 ARM Owner Occupied  Rate  APR  Points  5.990%  6.051%  0.000% D.R.E.A.M. Loan Program 30 Yr Fixed  Rate  APR  Points  6.750%  6.790%  0.000% D.R.E.A.M. Loan Program - 5/1 ARM  Rate  APR  Points  5.990%  6.028%  0.000% Community First Loan Program Community First Loan 30 Yr Fixed, Owner Occupied  Rate  APR  Points  6.490%  6.573%  0.000% Community First Loan 15 Yr Fixed, Owner Occupied  Rate  APR  Points  5.625%  5.757%  0.000% Community First Program 5/1 ARM, Owner Occupied  Rate  APR  Points  5.875%  5.955%  0.000% Community First Program 3/1 ARM, Owner Occupied  Rate  APR  Points  5.750%  5.829%  0.000% NEW LOAN SPECIAL New Loan Special - 15 Yr Fixed Owner Occupied  Rate  APR  Points  5.875%  6.008%  0.000% New Loan Special - 10 Yr Fixed Owner Occupied  Rate  APR  Points  5.875%  6.064%  0.000% Fixed Rate Loans 30 Year Fixed Owner Occupied  Rate  APR  Points  6.750%  6.834%  0.000%  6.750%  6.834%  0.000% 15 Year Fixed Owner Occupied  Rate  APR  Points  5.990%  6.124%  0.000%  5.990%  6.124%  0.000% Adjustable Rate Loans 3/1 ARM Owner Occupied  Rate  APR  Points  5.875%  5.955%  0.000%  5.875%  5.955%  0.000% 5/1 ARM Owner Occupied  Rate  APR  Points  5.990%  6.070%  0.000%  5.990%  6.070%  0.000% Home Equity Line of Credit Home Equity Line of Credit-3/1 ARM  Rate  APR  Points  6.875%  6.875%  0.000%  6.875%  6.875%  0.000%