Rates and Fees are subject to change without notice. We are not responsible for any rates that may change prior to lock confirmation.

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Interest Rate Lock-In Policy

Please note: Rates and fees are subject to change without notice. Your interest rate may vary depending on your qualifications and loan amount.

Program	Rate	Points	APR
Conforming 3 Year ARM	5.750%	0.0	5.750%
1% Choice Pay Loan	1.000%	0.0	1.000%
Conforming 5 Year ARM	5.500%	0.0	5.500%
Non-Conforming 30 Year Fixed	rate not available
Conforming 10 Year ARM	6.250%	0.0	6.250%
Conforming 15 Year Fixed	5.375%	0.0	5.375%
Non-Conforming 5 Year ARM	7.250%	0.0	7.250%
Non-Conforming 7 Year ARM	7.125%	0.0	7.125%
Conforming 20 Year Fixed	5.875%	0.125	5.891%
Non-Conforming 15 Year Fixed	7.125%	0.0	7.125%
Non-Conforming 10 Year ARM	rate not available
Conforming 30 Year Fixed	5.875%	0.125	5.886%
Non-Conforming 20 Year Fixed	rate not available
Conforming 7 Year ARM	6.000%	0.0	6.000%