FIRST TIME HOMEBUYER LOANS
First Time Home Buyer 30 Year Fixed
 Rate
 APR
 Points
 6.625%
 6.653%
 0.000%
First Time Home Buyer 5/1 ARM Owner Occupied
 Rate
 APR
 Points
 5.750%
 5.929%
 0.000%
COMMUNITY FIRST LOAN PROGRAM
Community First Loan 30 Yr Fixed, Owner Occupied
 Rate
 APR
 Points
 6.375%
 6.408%
 0.000%
Community First Loan 15 Yr Fixed, Owner Occupied
 Rate
 APR
 Points
 5.490%
 5.543%
 0.000%
Community First Program 10/1 ARM, Owner Occupied
 Rate
 APR
 Points
 5.875%
 5.950%
 0.000%
Community First Program 7/1 ARM, Owner Occupied
 Rate
 APR
 Points
 5.750%
 5.905%
 0.000%
Community First Program 5/1 ARM, Owner Occupied
 Rate
 APR
 Points
 5.625%
 5.886%
 0.000%
Community First Program 3/1 ARM, Owner Occupied
 Rate
 APR
 Points
 5.490%
 5.903%
 0.000%
NEW LOAN SPECIAL
New Loan Special - 30 Yr Fixed Owner Occupied
 Rate
 APR
 Points
 6.490%
 6.523%
 0.000%
New Loan Special - 20 Yr Fixed Owner Occupied
 Rate
 APR
 Points
 6.250%
 6.293%
 0.000%
New Loan Special - 15 Yr Fixed Owner Occupied
 Rate
 APR
 Points
 5.625%
 5.678%
 0.000%
New Loan Special - 10 Yr Fixed Owner Occupied
 Rate
 APR
 Points
 5.625%
 5.700%
 0.000%
FIXED RATE LOANS
30 Year Fixed Owner Occupied
 Rate
 APR
 Points
 6.625%
 6.658%
 0.000%
15 Year Fixed Owner Occupied
 Rate
 APR
 Points
 5.750%
 5.803%
 0.000%
ADJUSTABLE RATE LOANS
3/1 ARM Owner Occupied
 Rate
 APR
 Points
 5.625%
 5.937%
 0.000%
5/1 ARM Owner Occupied
 Rate
 APR
 Points
 5.750%
 5.934%
 0.000%
D.R.E.A.M. LOAN PROGRAM
D.R.E.A.M. Loan Program 30 Yr Fixed
 Rate
 APR
 Points
 6.625%
 6.639%
 0.000%
D.R.E.A.M. Loan Program - 5/1 ARM
 Rate
 APR
 Points
 5.750%
 5.916%
 0.000%