Effective date: 11/03/2005 12:00 PM

FHA/VA & Jumbo Rates Available

Conventional Rates

programs

rates

cl. costs

apr

  30yr. fixed

6.250%

$1900

6.350%

  5/1 ARM

5.875%

$1900

 6.050%

  5/1 int. only arm

6.000%

$1,900

6.150%

  15yr. fixed

5.875%

$1,900

6.150%

  20yr. fixed

6.250%

$1,900

6.350%

- or no closing costs -

programs

rates

no cl.costs

apr

  30yr. fixed

6.625%

$0

6.625%

  5yr. arm

6.500%

$0

6.500%

  5/1 int. only arm

6.500%

$0

6.500%

  15yr. fixed

6.250%

$0

6.250%

  20yr. fixed

6.625%

$0

6.625%

* all rates are no points, origination, or mortgage broker fees.  Rates are based on 30 day rate locks.  All rates subject to change without notice based on market conditions.