05/17/2012	Rate	APR*
Conventional 30 Year Fixed	3.750%	4.060%
Conventional 15 Year Fixed	3.000%	3.120%
FHA 30 Year Fixed	3.750%	4.400%
VA 30 Year Fixed	3.750%	4.064%
Conventional 5/1 ARM**	2.750%	3.468%
Jumbo 15 Year Fixed	3.750%	3.810%

*Annual Percentage Rates (APR) quoted are for primary and secondary residences only with a minimum credit score of 720, 80% loan to value, 20% down payment. Loan amounts between $80,000 – $417,000 for standard loans, $418,000-$900,000 for Jumbo loans.

Rates are current as of 05/17/2012 and are subject to change.

** This rate is subject to increase at a future date after consummation of the loan.7