Conventional Fixed Rate Mortgages
30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.137%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.488%  0.000%
Adjustable Rate Mortgages
5 Year Adjustable Rate
 Rate  APR  Points
 3.625%  4.000%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.950%  4.950%  0.000%
Home Equity Loan
 Rate  APR  Points
 4.950%  4.962%  0.000%