Conventional Fixed Rate Mortgages
30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.375%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.967%  0.000%
Adjustable Rate Mortgages
Home Equity Line of Credit
 Rate  APR  Points
 5.200%  5.200%  0.000%
Home Equity Loan
 Rate  APR  Points
 4.950%  4.962%  0.000%