Conventional Fixed Rate Mortgages
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.879%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.596%  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
 5.200%  5.212%  0.000%