Rates

*Conforming

Product	Rate	A.P.R.
30 Year Fixed	5.250%	5.470%
15 Year Fixed	4.625%	4.994%

**FHA/VA

Product	Rate	A.P.R.
30 Year Fixed	6.000%	6.189%
15 Year Fixed	5.500%	5.812%

*Rates and A.P.R.'s based on a loan amount of $417,000 for purchase or rate and term refinance of an owner occupied single family residence with 80% LTV with a credit score above 740 with escrows for a 45 day lock.

**Rates and A.P.R.'s based on a loan amount of $417,000 for purchase or rate and term refinance of an owner occupied single family residence with 97% LTV with a credit score above 700 with escrows for a 45 day lock.

Rates as of 7/27/2009 and subject to change without notice.