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Effective August 28, 2008 *


Loans to $417,000
Points
Rate
0
6.000%
0.25
5.875%
1
5.625%



Loans to $1,000,000
Points
Rate
0
6.375%
0.25
6.250%
1
6.000%

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Loans to $417,000
Points
Rate
0
6.375%
0.25
6.250%
1
6.000%



Loans to $417,000
Points
Rate
0
6.500%
0.25
6.375%
1
6.125%

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Loans to $417,000
Points
Rate
0
6.750%
0.25
6.625%
1
6.500%

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Loans to $1,000,000
Points
Rate
0
6.875%
0.25
6.750%
1
6.500%



Loans to $359,600
Points
Rate
0
6.375%
0.25
6.250%
1
5.875%

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Loans to $359,600
Points
Rate
0
6.750%
0.25
6.625%
1
6.375%



Loans to $417,000
Points
Rate
0
7.000%
0.25
6.875%
1
6.625%

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Loans to $417,000
Points
Rate
0
6.875%
0.25
6.750%
1
6.625%



FHA Loans only available in Illinois and Indiana
Points
Rate

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FHA Loans only available in Illinois and Indiana
Points
Rate



FHA Loans only available in Illinois and Indiana
Points
1st Year Fixed Rate

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Loans to $417,000
Points
1st Year Fixed Rate
0
4.875%
0.25
4.375%
1
3.625%



Loans to $417,000
Points
1st Year Fixed Rate
0
5.625%
0.25
5.375%
1
4.875%

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Loans to $417,000
Points
1st Year Fixed Rate
0
6.125%
0.25
6.000%
1
5.625%



Loans to $417,000
Points
1st Year Fixed Rate
0
5.875%
0.25
5.500%
1
5.125%

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Loans to $417,000
Points
1st Year Fixed Rate
0
6.250%
0.25
6.125%
1
5.750%



Loans to $1,000,000
Points
1st Year Fixed Rate
0
6.000%
0.25
5.750%
1
5.250%

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Loans to $1,000,000
Points
1st Year Fixed Rate
0
6.500%
0.25
6.375%
1
6.000%
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* Rates are subject to change at any time. 15 and 30 year mortgage rates are based on a 30 day lock. ARM rates are based on a 30 day lock.
Cash-out refinances between 70.01% and 80% require an additional .50 discount point. Cash-out refinances between 80.01% and 90% require an additional .75 discount point.

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