Mortgage Rates

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Mortgage Rates

30 Year Fixed Rate Mortgage

Term	Rate	APR*	Points
30 Year	6.250%	6.305%	0
30 Year	6.000%	6.148%	1

Example: A loan amount of $120,000 at 6.250% for 360 months would have a monthly payment of $738.86.

*Annual Percentage Rate. Rates are as of 11/20/2008 and are subject to change.

20 Year Fixed Rate Mortgage

Term	Rate	APR*	Points
20 Year	6.250%	6.258%	0
20 Year	6.000%	6.135%	1

Example: A loan amount of $120,000 at 6.250% for 240 months would have a monthly payment of $877.11.

*Annual Percentage Rate. Rates are as of 11/20/2008 and are subject to change.

15 Year Fixed Rate Mortgage

Term	Rate	APR*	Points
15 Year	6.000%	6.089%	0
15 Year	5.750%	5.994%	1

Example: A loan amount of $120,000 at 6.000% for 180 months would have a monthly payment of $1,012.63.

*Annual Percentage Rate. Rates are as of 11/20/2008 and are subject to change.

10 Year Fixed Rate Mortgage

Term	Rate	APR*	Points
10 year	6.000%	6.017%	0
10 year	5.750%	5.990%	1

Example: A loan amount of $120,000 at 6.000% for 120 months would have a monthly payment of $1,332.25.

*Annual Percentage Rate. Rates are as of 11/20/2008 and are subject to change.

1/1 Adjustable Rate Mortgage

Type	Term	Rate	APR*	Points
1 Year	1/1	6750%	4.617%	0
1 Year	1/1	6.250%	4.630%	1

Example: A loan amount of $100,000 at 6.750% for 30 years would have a monthly payment of $648.60.

*Annual Percentage Rate. Payments and interest rate can increase or decrease over the life of the loan after 1 year. Rates are as of 11/20/2008 and are subject to change.

3/1 Adjustable Rate Mortgage

Type	Term	Rate	APR*	Points
3/1 Year	3/1	6.500%	4.369%	0
3/1 Year	3/1	6.000%	4.568%	1

Example: A loan amount of $100,000 at 6.500% for 30 years would have a monthly payment of $632.07.

*Annual Percentage Rate. Payments and interest rate can increase or decrease over the life of the loan after 3 years. Rates are as of 11/20/2008 and are subject to change.

5/1 Adjustable Rate Mortgage

Type	Term	Rate	APR*	Points
5/1 Year	5/1	6.750%	5.315%	0
5/1 Year	5/1	6.250%	5.184%	1

Example: A loan amount of $100,000 at 6.500% for 30 years would have a monthly payment of $632.07.

*Annual Percentage Rate. Payments and interest rate can increase or decrease over the life of the loan after 5 years. Rates are as of 11/20/2008 and are subject to change.