For 02/01/2009
Programs	Rate	APR	P&I;
30 Year (fixed)	5.125%	5.294%	$816.73
15 Year (fixed)	4.375%	4.756%	$1137.93
3/1 Arm*	4.875%	4.548%	$793.81
FHA	0.00000%	0.00000%	$0
Calculations based on loan amount of $150,000 at an 80% loan-to-value. *ARM loans based on 30 year term and APR may increase after closing.