*No Application Fees* *No Pre-Payment Penalties* *Approvals in as Little as 15 Minutes* *Zero Closing Cost Programs Available*

New & Used Mobile Home Mortgage Rates - Updated 05/02/2013

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 4 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.861%**		3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.112%**
Fixed Rate Program		Fixed Rate Program
4.2500% >>> 7 Year Term Reflective APR 4.488*		5.100% >>> 7 Year Term Reflective APR 5.340%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 740 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.112%**		4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**
Fixed Rate Program		Fixed Rate Program
4.500% >>> 7 Year Term Reflective APR 4.739*		5.350% >>> 7 Year Term Reflective APR 5.591%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 740 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**		4.375% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
4.740% >>> 7 Year Term Reflective APR 4.979%*		5.600% >>> 7 Year Term Reflective APR 5.842%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 740 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 740 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.000% >>> First 5 Years 6.900% >>> Final 2 Years Reflective APR 5.388%*		5.000% >>> First 5 Years 6.900% >>> Final 2 Years Reflective APR 5.388%*
Fixed Rate Program		Fixed Rate Program
5.150% >>> 7 Year Term Reflective APR 5.391*		6.00% >>> 7 Year Term Reflective APR 6.243%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 4 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.794%*		3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.045%**
Fixed Rate Program		Fixed Rate Program
4.500% >>> 10 Year Term Reflective APR 4.672*		5.350% >>> 10 Year Term Reflective APR 5.524%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 740 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.045%**		4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**
Fixed Rate Program		Fixed Rate Program
4.750% >>> 10 Year Term Reflective APR 4.922*		5.600% >>> 10 Year Term Reflective APR 5.775%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 740 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**		4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**
Fixed Rate Program		Fixed Rate Program
4.990% >>> 10 Year Term Reflective APR 5.163*		5.850% >>> 10 Year Term Reflective APR 6.026%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 740 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 740 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.000% >>> First 5 Years 6.900% >>> Final 5 Years Reflective APR 5.610%*		5.000% >>> First 5 Years 6.900% >>> Final 5 Years Reflective APR 5.610%*
Fixed Rate Program		Fixed Rate Program
5.400% >>> 10 Year Term Reflective APR 5.574%*		6.250% >>> 10 Year Term Reflective APR 6.427%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 9 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.768%**		3.875% >>> First 3 Years Last 9 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.019%**
Fixed Rate Program		Fixed Rate Program
4.500% >>> 12 Year Term Reflective APR 4.646%*		5.350% >>> 12 Year Term Reflective APR 5.498%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 740 FICO Score		Purchase Financing 15% Down Payment 12 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 9 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.019%**		4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.269%**
Fixed Rate Program		Fixed Rate Program
4.750% >>> 12 Year Term Reflective APR 4.896%*		5.600% >>> 12 Year Term Reflective APR 5.749%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 740 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.269%**		4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**
Fixed Rate Program		Fixed Rate Program
4.990% >>> 12 Year Term Reflective APR 5.137%*		5.850% >>> 12 Year Term Reflective APR 6.000%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 740 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 740 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.000% >>> First 5 Years 7.700% >>> Final 7 Years Reflective APR 5.983%*		5.250% >>> First 5 Years 7.700% >>> Final 7 Years Reflective APR 5.983%*
Fixed Rate Program		Fixed Rate Program
5.400% >>> 12 Year Term Reflective APR 5.548*		6.250% >>> 12 Year Term Reflective APR 6.401%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 12 Years @ 2.50% + 1 Year Libor Rate Reflective APR 3.742%**		3.875% >>> First 3 Years Last 12 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.741%**
Fixed Rate Program		Fixed Rate Program
5.500% >>> 15 Year Term Reflective APR 5.623%*		6.200% >>> 15 Year Term Reflective APR 6.325%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 740 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 12 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.992%**		4.125% >>> First 3 Years Last 12 Years @ 3.250% + 1 Year Libor Rate Reflective APR 4.243%**
Fixed Rate Program		Fixed Rate Program
5.750% >>> 15 Year Term Reflective APR 5.874%*		6.400% >>> 15 Year Term Reflective APR 6.526%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 740 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 12 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.243%**		4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.494%**
Fixed Rate Program		Fixed Rate Program
5.990% >>> 15 Year Term Reflective APR 6.114%*		6.400% >>> 15 Year Term Reflective APR 6.526%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 740 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 740 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.000% >>> First 5 Years 7.700% >> Final 10 Years Reflective APR 6.201%*		5.000% >>> First 5 Years 7.700% >> Final 10 Years Reflective APR 6.201%*
Fixed Rate Program		Fixed Rate Program
6.400% >>> 15 Year Term Reflective APR 6.526%*		6.700% >>> 15 Year Term Reflective APR 6.828%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 17 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.715%**		3.875% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.966%**
Fixed Rate Program		Fixed Rate Program
5.500% >>> 20 Year Term Reflective APR 5.597%*		6.350% >>> 20 Year Term Reflective APR 6.452%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 740 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.715%**		4.125% >>> First 3 Years Last 17 Years @ 3.25% + 1 Year Libor Rate Reflective APR 3.966%**
Fixed Rate Program		Fixed Rate Program
5.750% >>> 20 Year Term Reflective APR 5.850%*		6.600% >>> 20 Year Term Reflective APR 6.763%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 740 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 17 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.217%**		4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.468%**
Fixed Rate Program		Fixed Rate Program
5.999% >>> 20 Year Term Reflective APR 6.090%*		6.700% >>> 20 Year Term Reflective APR 6.803%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 740 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 740 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.00% >>> First 5 Years 7.900% >> Final 15 Years Reflective APR 6.541%*		5.000% >>> First 5 Years 7.900% >> Final 15 Years Reflective APR 6.541%*
Fixed Rate Program		Fixed Rate Program
6.400% >>> 20 Year Term Reflective APR 6.502%*		7.000% >>> 20 Year Term Reflective APR 7.104*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 740 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 740 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 22 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.700%**		3.875% >>> First 3 Years Last 22 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.950%**
Fixed Rate Program		Fixed Rate Program
5.500% >>> 25 Year Term Reflective APR 5.582%*		6.350% >>> 25 Year Term Reflective APR 6.436%*

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 4 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.861%**		4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**
Fixed Rate Program		Fixed Rate Program
4.400% >>> 7 Year Term Reflective APR 4.638%*		5.250% >>> 7 Year Term Reflective APR 5.491%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.112%**		4.375% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
4.650% >>> 7 Year Term Reflective APR 4.889%*		5.750% >>> 7 Year Term Reflective APR 5.992%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**		4.625% >>> First 3 Years Last 4 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.864%**
Fixed Rate Program		Fixed Rate Program
4.900% >>> 7 Year Term Reflective APR 5.140%*		5.740% >>> 7 Year Term Reflective APR 5.982%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 720 - 739 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.300% >>> First 5 Years 7.700% >>> Final 2 Years Reflective APR 5.726%*		5.300% >>> First 5 Years 7.700% >>> Final 2 Years Reflective APR 5.726%*
Fixed Rate Program		Fixed Rate Program
5.250% >>> 7 Year Term Reflective APR 5.491%*		6.150% >>> 7 Year Term Reflective APR 6.394%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 7 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.794%**		4.125% >>> First 3 Years Last 7 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**
Fixed Rate Program		Fixed Rate Program
4.650% >>> 10 Year Term Reflective APR 4.822%*		5.500% >>> 10 Year Term Reflective APR 5.675%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 7 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.045%**		4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**
Fixed Rate Program		Fixed Rate Program
4.900% >>> 10 Year Term Reflective APR 5.073%*		5.750% >>> 10 Year Term Reflective APR 5.926%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 7 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**		4.625% >>> First 3 Years Last 7 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.797%**
Fixed Rate Program		Fixed Rate Program
5.150% >>> 10 Year Term Reflective APR 5.324%*		5.990% >>> 10 Year Term Reflective APR 6.166%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 720 - 739 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.300% >>> First 5 Years 7.700% >>> Final 5 Years Reflective APR 6.022%*		5.300% >>> First 5 Years 7.700% >>> Final 5 Years Reflective APR 6.022%*
Fixed Rate Program		Fixed Rate Program
5.500% >>> 10 Year Term Reflective APR 5.675%*		6.400% >>> 10 Year Term Reflective APR 6.578%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 9 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.768%**		4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.269%**
Fixed Rate Program		Fixed Rate Program
4.650% >>> 12 Year Term Reflective APR 4.796*		5.500% >>> 12 Year Term Reflective APR 5.649%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 12 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 9 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.019%**		4.375% >>> First 3 Years Last 9 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**
Fixed Rate Program		Fixed Rate Program
4.900% >>> 12 Year Term Reflective APR 5.047*		5.750% >>> 12 Year Term Reflective APR 5.900%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.269%**		4.625% >>> First 3 Years Last 9 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.771%**
Fixed Rate Program		Fixed Rate Program
5.150% >>> 12 Year Term Reflective APR 5.298%*		5.990% >>> 12 Year Term Reflective APR 6.140%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 720 - 739 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.300% >>> First 5 Years 7.900% >>> Final 7 Years Reflective APR 6.248%*		5.300% >>> First 5 Years 7.900% >>> Final 7 Years Reflective APR 6.248%*
Fixed Rate Program		Fixed Rate Program
5.50% >>> 12 Year Term Reflective APR 5.649%*		6.400% >>> 12 Year Term Reflective APR 6.552%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 12 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.742%**		4.125% >>> First 3 Years Last 12 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.243%**
Fixed Rate Program		Fixed Rate Program
5.650% >>> 15 Year Term Reflective APR 5.773%*		6.500% >>> 15 Year Term Reflective APR 6.626%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 12 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.992%**		4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.494%**
Fixed Rate Program		Fixed Rate Program
5.900% >>> 15 Year Term Reflective APR 6.0243*		6.750% >>> 15 Year Term Reflective APR 6.877%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 12 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.745%**		4.625% >>> First 3 Years Last 12 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.745%**
Fixed Rate Program		Fixed Rate Program
6.150% >>> 15 Year Term Reflective APR 6.275%*		6.990% >>> 15 Year Term Reflective APR 7.118%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 720 - 739 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.300% >>> First 5 Years 7.900% >> Final 10 Years Reflective APR 6.456%*		5.300% >>> First 5 Years 7.900% >> Final 10 Years Reflective APR 6.456%*
Fixed Rate Program		Fixed Rate Program
6.500% >>> 15 Year Term Reflective APR 6.626%*		7.400% >>> 15 Year Term Reflective APR 7.530%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 17 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.715%**		4.125% >>> First 3 Years Last 17 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.217%**
Fixed Rate Program		Fixed Rate Program
5.650% >>> 20 Year Term Reflective APR 5.749%*		6.500% >>> 20 Year Term Reflective APR 6.602%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.967%**		4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.468%**
Fixed Rate Program		Fixed Rate Program
5.900% >>> 20 Year Term Reflective APR 6.000*		6.750% >>> 20 Year Term Reflective APR 6.853%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.217%**		4.625% >>> First 3 Years Last 17 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.719%**
Fixed Rate Program		Fixed Rate Program
6.150% >>> 20 Year Term Reflective APR 6.251%*		6.990% >>> 20 Year Term Reflective APR 7.094%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 720 - 739 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.300% >>> First 5 Years 8.200% >> Final 15 Years Reflective APR 6.833%*		5.300% >>> First 5 Years 8.200% >> Final 15 Years Reflective APR 6.833%*
Fixed Rate Program		Fixed Rate Program
6.500% >>> 20 Year Term Reflective APR 6.602%*		7.400% >>> 20 Year Term Reflective APR 7.505%*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 720 - 739 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.625% >>> First 3 Years Last 22 Years @ 2.75% + 1 Year Libor Rate Reflective APR 3.700%**		4.125% >>> First 3 Years Last 22 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.204%**
Fixed Rate Program		Fixed Rate Program
5.650% >>> 25 Year Term Reflective APR 5.733%*		6.500% >>> 25 Year Term Reflective APR 6.586%*

Rate & Term Refinancing 85% Loan to Value 25 Year Term Programs 720 - 739 FICO Score		Purchase Financing 15% Down Payment 25 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 22 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.961%**		4.375% >>> First 3 Years Last 22 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.454%**
Fixed Rate Program		Fixed Rate Program
5.900% >>> 25 Year Term Reflective APR 5.984*		6.750% >>> 25 Year Term Reflective APR 6.846*

Rate & Term Refinancing 90% Loan to Value 25 Year Term Programs 720 - 739 FICO Score		Purchase Financing 10% Down Payment 25 Year Term Programs 720 - 739 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 22 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.204%**		4.625% >>> First 3 Years Last 22 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.705%**
Fixed Rate Program		Fixed Rate Program
6.150% >>> 25 Year Term Reflective APR 6.235*		6.990% >>> 25 Year Term Reflective APR 7.078*

Rate & Term Refinancing 95% Loan to Value 25 Year Term Programs 720 - 739 FICO Score		Purchase Financing 5% Down Payment 25 Year Term Programs 720 - 739 FICO Score
Fixed Rate Program		Fixed Rate Program
6.500% >>> 25 Year Term Reflective APR 6.586%*		7.400% >>> 25 Year Term Reflective APR 7.490%*

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.112%**		4.375% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
4.850% >>> 7 Year Term Reflective APR 5.090%*		5.700% >>> 7 Year Term Reflective APR 5.942%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 700 - 719 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**		4.375% >>> First 3 Years Last 4 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 7 Year Term Reflective APR 5.340%*		5.950% >>> 7 Year Term Reflective APR 6.193%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.112%**		4.375% >>> First 3 Years Last 4 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
5.350% >>> 7 Year Term Reflective APR 5.591%*		6.200% >>> 7 Year Term Reflective APR 6.444%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 700 - 719 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 7.900% >>> Final 2 Years Reflective APR 5.926%*		5.500% >>> First 5 Years 7.900% >>> Final 2 Years Reflective APR 5.926%*
Fixed Rate Program		Fixed Rate Program
6.740% >>> 7 Year Term Reflective APR 6.986%*		6.600% >>> 7 Year Term Reflective APR 6.845%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 7 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.045%**		4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 10 Year Term Reflective APR 5.274%*		5.950% >>> 10 Year Term Reflective APR 6.126%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 700 - 719 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 7 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**		4.625% >>> First 3 Years Last 7 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.797%**
Fixed Rate Program		Fixed Rate Program
5.350% >>> 10 Year Term Reflective APR 5.524%*		6.200% >>> 10 Year Term Reflective APR 6.377%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**		4.875% >>> First 3 Years Last 7 Years @ 4.00% + 1 Year Libor Rate Reflective APR 5.048%**
Fixed Rate Program		Fixed Rate Program
5.600% >>> 10 Year Term Reflective APR 5.775%*		6.450% >>> 10 Year Term Reflective APR 6.628%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 700 - 719 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 7.900% >>> Final 5 Years Reflective APR 6.221%*		5.500% >>> First 5 Years 7.900% >>> Final 5 Years Reflective APR 6.221%*
Fixed Rate Program		Fixed Rate Program
5.990% >>> 10 Year Term Reflective APR 6.166%*		6.850% >>> 10 Year Term Reflective APR 7.029%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 9 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.019%**		4.375% >>> First 3 Years Last 9 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 12 Year Term Reflective APR 5.247%*		5.950% >>> 12 Year Term Reflective APR 6.100%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 700 - 719 FICO Score   Purchase Financing 15% Down Payment 12 Year Term Programs 700 - 719 FICO Score       Fixed Rate Flex Program   Fixed Rate Flex Program 4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.629%**   4.625% >>> First 3 Years Last 9 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.771%** Fixed Rate Program   Fixed Rate Program 5.350% >>> 12 Year Term Reflective APR 5.498%*   6.200% >>> 12 Year Term Reflective APR 6.351%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 9 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**		4.875% >>> First 3 Years Last 9 Years @ 4.00% + 1 Year Libor Rate Reflective APR 5.022%**
Fixed Rate Program		Fixed Rate Program
5.600% >>> 12 Year Term Reflective APR 5.749%		6.450% >>> 12 Year Term Reflective APR 6.602%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 700 - 719 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.200% >>> Final 7 Years Reflective APR 6.476%*		5.500% >>> First 5 Years 8.200% >>> Final 7 Years Reflective APR 6.476%*
Fixed Rate Program		Fixed Rate Program
5.990% >>> 12 Year Term Reflective APR 6.140%*		6.850% >>> 12 Year Term Reflective APR 7.003%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 12 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.992%**		4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.494%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 15 Year Term Reflective APR 6.225%*		6.950% >>> 15 Year Term Reflective APR 7.078%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 700 - 719 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 12 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.243%**		4.625% >>> First 3 Years Last 12 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.745%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 15 Year Term Reflective APR 6.476*		7.200% >>> 15 Year Term Reflective APR 7.330%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.494%**		4.875% >>> First 3 Years Last 12 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.996%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 15 Year Term Reflective APR 6.727*		7.450% >>> 15 Year Term Reflective APR 7.580%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 700 - 719 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.200% >> Final 10 Years Reflective APR 6.860%*		5.500% >>> First 5 Years 8.200% >> Final 10 Years Reflective APR 6.860%*
Fixed Rate Program		Fixed Rate Program
6.99% >>> 15 Year Term Reflective APR 7.118%*		7.850% >>> 15 Year Term Reflective APR 7.982%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.966%**		4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.375%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 20 Year Term Reflective APR 6.201%*		6.950% >>> 20 Year Term Reflective APR 7.053%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 700 - 719 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 17 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.217%**		4.625% >>> First 3 Years Last 17 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.719%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 20 Year Term Reflective APR 6.452*		7.200% >>> 20 Year Term Reflective APR 7.304%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.468%**		4.875% >>> First 3 Years Last 17 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.970%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 20 Year Term Reflective APR 6.702*		7.450% >>> 20 Year Term Reflective APR 7.555%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 700 - 719 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*		5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*
Fixed Rate Program		Fixed Rate Program
6.990% >>> 20 Year Term Reflective APR 7.094%*		7.850% >>> 20 Year Term Reflective APR 7.957%*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 700 - 719 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 22 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.951%**		4.375% >>> First 3 Years Last 22 Years @ 3.500% + 1 Year Libor Rate Reflective APR 4.454%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 25 Year Term Reflective APR 6.185%*		6.950% >>> 25 Year Term Reflective APR 7.038%*

Rate & Term Refinancing 85% Loan to Value 25 Year Term Programs 700 - 719 FICO Score		Purchase Financing 15% Down Payment 25 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 22 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.204%**		4.625% >>> First 3 Years Last 22 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.705%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 25 Year Term Reflective APR 6.436%*		7.200% >>> 25 Year Term Reflective APR 7.289%*

Rate & Term Refinancing 90% Loan to Value 25 Year Term Programs 700 - 719 FICO Score		Purchase Financing 10% Down Payment 25 Year Term Programs 700 - 719 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 22 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.454%**		4.875% >>> First 3 Years Last 22 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.955%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 25 Year Term Reflective APR 6.687%*		7.450% >>> 25 Year Term Reflective APR 7.540%*

Rate & Term Refinancing 95% Loan to Value 25 Year Term Programs 700 - 719 FICO Score		Purchase Financing 5% Down Payment 25 Year Term Programs 700 - 719 FICO Score
Fixed Rate Program		Fixed Rate Program
6.990% >>> 25 Year Term Reflective APR 7.078%*		7.850% >>> 25 Year Term Reflective APR 7.942%*

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 4 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.112%**		4.375% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.613%**
Fixed Rate Program		Fixed Rate Program
4.850% >>> 7 Year Term Reflective APR 5.090%*		5.700% >>> 7 Year Term Reflective APR 5.942%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 4 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.362%**		4.625% >>> First 3 Years Last 4 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.864%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 7 Year Term Reflective APR 5.340%*		5.950% >>> 7 Year Term Reflective APR 6.193%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 4 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.613%**		4.875% >>> First 3 Years Last 4 Years @ 4.00% + 1 Year Libor Rate Reflective APR 5.115%**
Fixed Rate Program		Fixed Rate Program
5.350% >>> 7 Year Term Reflective APR 5.591%*		6.200% >>> 7 Year Term Reflective APR 6.444%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 680 - 699 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.000% >>> First 5 Years 6.900% >>> Final 2 Years Reflective APR 5.388%*		5.000% >>> First 5 Years 6.900% >>> Final 2 Years Reflective APR 5.388%*
Fixed Rate Program		Fixed Rate Program
5.740% >>> 7 Year Term Reflective APR 5.982%*		6.600% >>> 7 Year Term Reflective APR 6.845%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 7 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.045%**		4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 10 Year Term Reflective APR 5.274%*		5.950% >>> 10 Year Term Reflective APR 6.126%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 7 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.295%**		4.625% >>> First 3 Years Last 7 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4,797%**
Fixed Rate Program		Fixed Rate Program
5.350% >>> 10 Year Term Reflective APR 5.524%*		6.200% >>> 10 Year Term Reflective APR 6.377%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 7 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.546%**		4.875% >>> First 3 Years Last 7 Years @ 4.00% + 1 Year Libor Rate Reflective APR 5.048%**
Fixed Rate Program		Fixed Rate Program
5.600% >>> 10 Year Term Reflective APR 5.775%*		6.450% >>> 10 Year Term Reflective APR 6.628%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 680 - 699 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 8.900% >>> Final 5 Years Reflective APR 7.214%*		6.500% >>> First 5 Years 8.900% >>> Final 5 Years Reflective APR 7.214%*
Fixed Rate Program		Fixed Rate Program
5.990% >>> 10 Year Term Reflective APR 6.166%*		6.850% >>> 10 Year Term Reflective APR 7.029%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 9 Years @ 3.00% + 1 Year Libor Rate Reflective APR 4.019%**		4.375% >>> First 3 Years Last 9 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**
Fixed Rate Program		Fixed Rate Program
5.100% >>> 12 Year Term Reflective APR 5.247%*		5.950% >>> 12 Year Term Reflective APR 6.100%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 12 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 9 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.269%**		4.625% >>> First 3 Years Last 9 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.771%**
Fixed Rate Program		Fixed Rate Program
5.350% >>> 12 Year Term Reflective APR 5.498%*		6.200% >>> 12 Year Term Reflective APR 6.351%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 9 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.520%**		4.875% >>> First 3 Years Last 9 Years @ 4.00% + 1 Year Libor Rate Reflective APR 5.022%**
Fixed Rate Program		Fixed Rate Program
5.600% >>> 12 Year Term Reflective APR 5.749%*		6.450% >>> 12 Year Term Reflective APR 6.602%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 680 - 699 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*		6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*
Fixed Rate Program		Fixed Rate Program
5.990% >>> 12 Year Term Reflective APR 6.140*		6.850% >>> 12 Year Term Reflective APR 7.003%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 12 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.992%**		4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.494%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 15 Year Term Reflective APR 6.225%*		6.950% >>> 15 Year Term Reflective APR 7.078%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 12 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.243%**		4.625% >>> First 3 Years Last 12 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.745%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 15 Year Term Reflective APR 6.476%*		7.200% >>> 15 Year Term Reflective APR 7.329%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 12 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.495%**		4.875% >>> First 3 Years Last 12 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.999%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 15 Year Term Reflective APR 6.727%*		7.450% >>> 15 Year Term Reflective APR 7.580%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 680 - 699 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*		6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*
Fixed Rate Program		Fixed Rate Program
6.990% >>> 15 Year Term Reflective APR 7.118%*		7.850% >>> 15 Year Term Reflective APR 7.982%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 17 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.966%**		4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.468%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 20 Year Term Reflective APR 6.201%*		6.950% >>> 20 Year Term Reflective APR 7.053%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 17 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.217%**		4.625% >>> First 3 Years Last 17 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.719%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 20 Year Term Reflective APR 6.452%*		7.200% >>> 20 Year Term Reflective APR 7.304%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 17 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.468%**		4.875% >>> First 3 Years Last 17 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.700%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 20 Year Term Reflective APR 6.702%*		7.450% >>> 20 Year Term Reflective APR 7.555%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 680 - 699 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.500% >> Final 15 Years Reflective APR 8.044%*		6.500% >>> First 5 Years 9.500% >> Final 15 Years Reflective APR 8.044%*
Fixed Rate Program		Fixed Rate Program
6.990% >>> 20 Year Term Reflective APR 7.094%*		7.850% >>> 20 Year Term Reflective APR 7.957%*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 680 - 699 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
3.875% >>> First 3 Years Last 22 Years @ 3.00% + 1 Year Libor Rate Reflective APR 3.951%**		4.375% >>> First 3 Years Last 22 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.454%**
Fixed Rate Program		Fixed Rate Program
6.100% >>> 25 Year Term Reflective APR 6.185%*		6.950% >>> 25 Year Term Reflective APR 7.053%*

Rate & Term Refinancing 85% Loan to Value 25 Year Term Programs 680 - 699 FICO Score		Purchase Financing 15% Down Payment 25 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.125% >>> First 3 Years Last 22 Years @ 3.25% + 1 Year Libor Rate Reflective APR 4.204%**		4.625% >>> First 3 Years Last 22 Years @ 3.75% + 1 Year Libor Rate Reflective APR 4.705%**
Fixed Rate Program		Fixed Rate Program
6.350% >>> 20 Year Term Reflective APR 6.436%*		7.200% >>> 20 Year Term Reflective APR 7.304%*

Rate & Term Refinancing 90% Loan to Value 25 Year Term Programs 680 - 699 FICO Score		Purchase Financing 10% Down Payment 25 Year Term Programs 680 - 699 FICO Score
Fixed Rate Flex Program		Fixed Rate Flex Program
4.375% >>> First 3 Years Last 22 Years @ 3.50% + 1 Year Libor Rate Reflective APR 4.454%**		4.875% >>> First 3 Years Last 22 Years @ 4.00% + 1 Year Libor Rate Reflective APR 4.955%**
Fixed Rate Program		Fixed Rate Program
6.600% >>> 20 Year Term Reflective APR 6.687%*		7.450% >>> 20 Year Term Reflective APR 7.540%*

Rate & Term Refinancing 95% Loan to Value 25 Year Term Programs 680 - 699 FICO Score		Purchase Financing 5% Down Payment 25 Year Term Programs 680 - 699 FICO Score
Fixed Rate Program		Fixed Rate Program
6.990% >>> 25 Year Term Reflective APR 7.078%*		7.850% >>> 25 Year Term Reflective APR 7.942%*

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 7.900% >>> Final 2 Years Reflective APR 5.926%*		5.500% >>> First 5 Years 7.900% >>> Final 2 Years Reflective APR 5.926%*
Fixed Rate Program		Fixed Rate Program
5.450% >>> 7 Year Term Reflective APR 5.691%*		6.250% >>> 7 Year Term Reflective APR 6.494%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 8.900% >>> Final 2 Years Reflective APR 6.926%*		6.500% >>> First 5 Years 8.900% >>> Final 2 Years Reflective APR 6.926%*
Fixed Rate Program		Fixed Rate Program
5.700% >>> 7 Year Term Reflective APR 5.942%*		6.500% >>> 7 Year Term Reflective APR 6.745%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 8.900% >>> Final 2 Years Reflective APR 6.926%*		6.500% >>> First 5 Years 8.900% >>> Final 2 Years Reflective APR 6.926%*
Fixed Rate Program		Fixed Rate Program
5.950% >>> 7 Year Term Reflective APR 6.193%*		6.740% >>> 7 Year Term Reflective APR 6.986%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
7.300% >>> First 5 Years 9.500% >>> Final 2 Years Reflective APR 7.712%*		7.300% >>> First 5 Years 9.500% >>> Final 2 Years Reflective APR 7.712%*
Fixed Rate Program		Fixed Rate Program
6.450% >>> 7 Year Term Reflective APR 6.695%*		7.250% >>> 7 Year Term Reflective APR 7.497%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 7.900% >>> Final 5 Years Reflective APR 6.221%*		5.500% >>> First 5 Years 7.900% >>> Final 5 Years Reflective APR 6.221%*
Fixed Rate Program		Fixed Rate Program
5.700% >>> 10 Year Term Reflective APR 5.875%*		6.500% >>> 10 Year Term Reflective APR 6.678%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 8.900% >>> Final 5 Years Reflective APR 7.214%*		6.500% >>> First 5 Years 8.900% >>> Final 5 Years Reflective APR 7.214%*
Fixed Rate Program		Fixed Rate Program
5.950% >>> 10 Year Term Reflective APR 6.126%*		6.750% >>> 10 Year Term Reflective APR 6.929%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.700% >>> First 5 Years 8.200% >>> Final 5 Years Reflective APR 6.442%*		5.700% >>> First 5 Years 8.200% >>> Final 5 Years Reflective APR 6.442%*
Fixed Rate Program		Fixed Rate Program
6.200% >>> 10 Year Term Reflective APR 6.377%*		6.990% >>> 10 Year Term Reflective APR 7.170%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
7.300% >>> First 5 Years 9.500% >>> Final 5 Years Reflective APR 7.965%*		7.300% >>> First 5 Years 9.500% >>> Final 5 Years Reflective APR 7.965%*
Fixed Rate Program		Fixed Rate Program
6.700% >>> 10 Year Term Reflective APR 6.879%*		7.500% >>> 10 Year Term Reflective APR 7.682%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.200% >>> Final 7 Years Reflective APR 6.476%*		5.500% >>> First 5 Years 8.200% >>> Final 7 Years Reflective APR 6.476%*
Fixed Rate Program		Fixed Rate Program
5.700% >>> 12 Year Term Reflective APR 5.849%*		6.50% >>> 12 Year Term Reflective APR 6.652%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 12 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*		6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*
Fixed Rate Program		Fixed Rate Program
5.950% >>> 12 Year Term Reflective APR 6.100%*		6.750% >>> 12 Year Term Reflective APR 6.903%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*		6.500% >>> First 5 Years 9.200% >>> Final 7 Years Reflective APR 7.463%*
Fixed Rate Program		Fixed Rate Program
6.200% >>> 12 Year Term Reflective APR 6.351%*		6.990% >>> 12 Year Term Reflective APR 7.144%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
7.300% >>> First 5 Years 9.700% >>> Final 7 Years Reflective APR 8.165%*		7.300% >>> First 5 Years 9.700% >>> Final 7 Years Reflective APR 8.165%*
Fixed Rate Program		Fixed Rate Program
6.700% >>> 12 Year Term Reflective APR 6.853%*		7.490% >>> 12 Year Term Reflective APR 7.646%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.200% >> Final 10 Years Reflective APR 6.692%*		5.500% >>> First 5 Years 8.200% >> Final 10 Years Reflective APR 6.692%*
Fixed Rate Program		Fixed Rate Program
6.700% >>> 15 Year Term Reflective APR 6.828%*		7.500% >>> 15 Year Term Reflective APR 7.630%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*		6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*
Fixed Rate Program		Fixed Rate Program
6.950% >>> 15 Year Term Reflective APR 7.078%*		7.750% >>> 15 Year Term Reflective APR 7.881%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*		6.500% >>> First 5 Years 9.200% >> Final 10 Years Reflective APR 7.673%*
Fixed Rate Program		Fixed Rate Program
7.200% >>> 15 Year Term Reflective APR 7.329%*		7.990% >>> 15 Year Term Reflective APR 8.122%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
7.300% >>> First 5 Years 9.700% >> Final 10 Years Reflective APR 8.345%*		7.300% >>> First 5 Years 9.700% >> Final 10 Years Reflective APR 8.345%*
Fixed Rate Program		Fixed Rate Program
7.700% >>> 15 Year Term Reflective APR 7.831%*		8.500% >>> 15 Year Term Reflective APR 8.634%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*		5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*
Fixed Rate Program		Fixed Rate Program
6.700% >>> 20 Year Term Reflective APR 6.803%*		7.500% >>> 20 Year Term Reflective APR 7.605%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*		5.500% >>> First 5 Years 8.500% >> Final 15 Years Reflective APR 7.075%*
Fixed Rate Program		Fixed Rate Program
6.950% >>> 20 Year Term Reflective APR 7.053%*		7.750% >>> 20 Year Term Reflective APR 7.856%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
6.500% >>> First 5 Years 9.500% >> Final 15 Years Reflective APR 8.044%*		6.500% >>> First 5 Years 9.500% >> Final 15 Years Reflective APR 8.044%*
Fixed Rate Program		Fixed Rate Program
7.200% >>> 20 Year Term Reflective APR 7.304%*		7.990% >>> 20 Year Term Reflective APR 8.097%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 650 - 679 FICO Score
Fixed Rate Step Program		Fixed Rate Step Program
7.300% >>> First 5 Years 10.200% >> Final 15 Years Reflective APR 8.774%*		7.300% >>> First 5 Years 10.200% >> Final 15 Years Reflective APR 8.774%*
Fixed Rate Program		Fixed Rate Program
7.700% >>> 20 Year Term Reflective APR 7.086%*		8.500% >>> 20 Year Term Reflective APR 8.609%*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 650 - 679 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 650 - 679 FICO Score
Fixed Rate Program		Fixed Rate Program
6.700% >>> 25 Year Term Reflective APR 6.787%*		7.500% >>> 25 Year Term Reflective APR 7.591%*

Rate & Term Refinancing 85% Loan to Value 25 Year Term Programs 650 - 679 FICO Score		Purchase Financing 15% Down Payment 25 Year Term Programs 650 - 679 FICO Score
Fixed Rate Program		Fixed Rate Program
6.950% >>> 25 Year Term Reflective APR 7.038%*		7.750% >>> 20 Year Term Reflective APR 7.842%*

Rate & Term Refinancing 90% Loan to Value 25 Year Term Programs 650 - 679 FICO Score		Purchase Financing 10% Down Payment 25 Year Term Programs 650 - 679 FICO Score
Fixed Rate Program		Fixed Rate Program
7.200% >>> 25 Year Term Reflective APR 7.289%*		7.990% >>> 20 Year Term Reflective APR 8.083%*

Rate & Term Refinancing 95% Loan to Value 25 Year Term Programs 650 - 679 FICO Score		Purchase Financing 5% Down Payment 25 Year Term Programs 650 - 679 FICO Score
Fixed Rate Program		Fixed Rate Program
7.700% >>> 25 Year Term Reflective APR 7.792%*		8.500% >>> 25 Year Term Reflective APR 8.595%*

Rate & Term Refinancing 80% Loan to Value 7 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 7 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.200% >>> 7 Year Term Reflective APR 6.444%*		7.250% >>> 7 Year Term Reflective APR 7.497%*

Rate & Term Refinancing 85% Loan to Value 7 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 7 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.450% >>> 7 Year Term Reflective APR 6.695%*		7.500% >>> 7 Year Term Reflective APR 7.748%*

Rate & Term Refinancing 90% Loan to Value 7 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 7 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.700% >>> 7 Year Term Reflective APR 6.945%*		7.990% >>> 7 Year Term Reflective APR 8.240%*

Rate & Term Refinancing 95% Loan to Value 7 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 7 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.200% >>> 7 Year Term Reflective APR 7.447%*		8.250% >>> 7 Year Term Reflective APR 8.501%*

Rate & Term Refinancing 80% Loan to Value 10 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 10 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.450% >>> 10 Year Term Reflective APR 6.628%*		7.50% >>> 10 Year Term Reflective APR 7.682%*

Rate & Term Refinancing 85% Loan to Value 10 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 10 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.700% >>> 10 Year Term Reflective APR 6.879%*		7.750% >>> 10 Year Term Reflective APR 7.932%*

Rate & Term Refinancing 90% Loan to Value 10 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 10 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.950% >>> 10 Year Term Reflective APR 7.130%*		7.990% >>> 10 Year Term Reflective APR 8.173%*

Rate & Term Refinancing 95% Loan to Value 10 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 10 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.450% >>> 10 Year Term Reflective APR 7.631%*		8.500% >>> 10 Year Term Reflective APR 8.685%*

Rate & Term Refinancing 80% Loan to Value 12 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 12 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.450% >>> 12 Year Term Reflective APR 6.602%*		7.500% >>> 12 Year Term Reflective APR. 7.656%*

Rate & Term Refinancing 85% Loan to Value 12 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 12 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.700% >>> 12 Year Term Reflective APR 6.853%*		7.750% >>> 12 Year Term Reflective APR 7.907%*

Rate & Term Refinancing 90% Loan to Value 12 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 12 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
6.950% >>> 12 Year Term Reflective APR 7.104%*		7.990% >>> 12 Year Term Reflective APR 6.853%*

Rate & Term Refinancing 95% Loan to Value 12 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 12 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.450% >>> 12 Year Term Reflective APR 7.6067%*		8.500% >>> 12 Year Term Reflective APR 8.659%*

Rate & Term Refinancing 80% Loan to Value 15 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 15 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.450% >>> 15 Year Term Reflective APR 7.580%*		8.500% >>> 15 Year Term Reflective APR 8.634%*

Rate & Term Refinancing 85% Loan to Value 15 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 15 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.700% >>> 15 Year Term Reflective APR 7.8310%*		8.750% >>> 15 Year Term Reflective APR 8.885%*

Rate & Term Refinancing 90% Loan to Value 15 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 15 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.950% >>> 15 Year Term Reflective APR 8.082%*		8.990% >>> 15 Year Term Reflective APR 9.126%*

Rate & Term Refinancing 95% Loan to Value 15 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 15 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
8.450% >>> 15 Year Term Reflective APR 8.584%*		9.500% >>> 15 Year Term Reflective APR 9.638%*

Rate & Term Refinancing 80% Loan to Value 20 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 20 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.450% >>> 20 Year Term Reflective APR 7.555%*		8.500% >>> 20 Year Term Reflective APR 8.609%*

Rate & Term Refinancing 85% Loan to Value 20 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 20 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.700% >>> 20 Year Term Reflective APR 7.806%*		8.750% >>> 20 Year Term Reflective APR 8.861%*

Rate & Term Refinancing 90% Loan to Value 20 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 20 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.950% >>> 20 Year Term Reflective APR 8.057%*		8.990% >>> 20 Year Term Reflective APR 9.102%*

Rate & Term Refinancing 95% Loan to Value 20 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 20 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
8.450% >>> 20 Year Term Reflective APR 8.559%*		9.500% >>> 20 Year Term Reflective APR 9.614%*

Rate & Term Refinancing 80% Loan to Value 25 Year Term Programs 630 - 649 FICO Score		Purchase Financing 20% Down Payment 25 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.450% >>> 25 Year Term Reflective APR 7.540%*		8.500% >>> 25 Year Term Reflective APR 8.595%*

Rate & Term Refinancing 85% Loan to Value 25 Year Term Programs 630 - 649 FICO Score		Purchase Financing 15% Down Payment 25 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.700% >>> 25 Year Term Reflective APR 7.038%*		8.750% >>> 20 Year Term Reflective APR 8.847%*

Rate & Term Refinancing 90% Loan to Value 25 Year Term Programs 630 - 649 FICO Score		Purchase Financing 10% Down Payment 25 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
7.950% >>> 25 Year Term Reflective APR 8.043%*		8.990% >>> 20 Year Term Reflective APR 9.088%*

Rate & Term Refinancing 95% Loan to Value 25 Year Term Programs 630 - 649 FICO Score		Purchase Financing 5% Down Payment 25 Year Term Programs 630 - 649 FICO Score
Fixed Rate Program		Fixed Rate Program
8.450% >>> 25 Year Term Reflective APR 8.545%*		9.500% >>> 25 Year Term Reflective APR 9.600%*

*The mobile home mortgage rates indicated above are reflective for both purchase and refinance, using an amount to finance of $250,000. The refinance rates reflect 95% to 50% loan to value, while purchase rates reflect a 5% to 50% down payment. Both refinance & purchase programs are calculated using a loan origination fee in the amount of $2,000.00 which was financed, not paid in cash. This fee does not include 3rd party escrow fees, Flood Certification or other titling fees that may be applicable in your state and/or situation. **The Flex Rates shown are fixed for the term listed, then are adjustable for the remaining term listed. The adjustment is determined by the One Year Libor, which represents the cost of funds between banks. After the initial fixed rate period, your rate can go up or down. Your rate cannot go up more than 2% percent in any given 12 month period and cannot exceed 5% over the life of the loan. *The Step Rates indicated above are fixed for the terms indicated and require automatic payment withdrawal from a bank or credit union of your choosing. Add .25% for the manual payment option. *The Fixed Rates are fixed for the term of the loan and cannot change for the life of the loan. The example rates above reflect the purchase or refinance of a 5 year old double section home located in a manufactured home park and/or leased lot community. Homes outside of this parameter may experience higher rates and /or fees. The origination fee indicated is for example purposes only. Your origination fee may be different dependent on your situation. Meeting the above credit score, down payment and/or equity requirements does not guarantee approval. All approvals are based on your credit history, the mobile or manufactured home, location of the mobile or manufactured home, appraisal results and income history. Rates are subject to change without notice. *Due to the complexity of the rate & term tables listed above, the Webmaster acknowledges there may be error(s) listed above. Always confirm the appropriate rate with a staff member before making a financial decision.