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   Purchase      Refinance      Pre-Approval    
as of 5/9/2008
 Program Rate Points APR
 30 Year Fixed 6.000 0.000 6.072
 20 Year Fixed 5.875 0.000 5.971
 15 Year Fixed 5.500 0.000 5.619
 New Construction 6.250 0.000 6.323
 Jumbo 30 Fixed 6.625 0.000 6.700
 FHA 30 Year Fixed 6.000 0.000 6.209
 Rural 30 Yr. 100% LTV 6.250 0.000 6.462
 3/3 ARM 4.625 0.000 5.320
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