Conventional Fixed Rate Mortgages
30 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.131%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.875%  5.099%  0.000%
Adjustable Rate Mortgages
Home Equity Line of Credit
 Rate  APR  Points
 5.700%  5.700%  0.000%
Home Equity Loan
 Rate  APR  Points
 5.500%  5.512%  0.000%