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	5.875%	0.5	5.922%
Pay Option	1.375%	0.0	1.375%
Conforming 5 Year ARM	5.250%	0.5	5.295%
Non-Conforming 30 Year Fixed	rate not available
Conforming 15 Year Fixed	4.750%	0.5	4.825%
Non-Conforming 5 Year ARM	7.000%	0.5	7.050%
Non-Conforming 7 Year ARM	7.000%	0.5	7.050%
Conforming 20 Year Fixed	rate not available
Non-Conforming 15 Year Fixed	6.750%	0.5	6.830%
Conforming 30 Year Fixed	5.125%	0.625	5.181%
Non-Conforming 20 Year Fixed	7.750%	0.625	7.833%
Conforming 7 Year ARM	5.750%	0.5	5.796%