Conventional Mortgages* (Effective: July 23, 2008)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed	30 years	6.000%	2	6.214%	$6.00
	30 years	6.250%	1	6.371%	$6.16
	30 years	6.500%	0	6.524%	$6.32
15 Year Fixed	15 years	5.500%	2	5.851%	$8.17
	15 years	5.750%	1	5.946%	$8.30
	15 years	6.000%	0	6.041%	$8.44
*Interest Rate and Annual Percentage Rate (APR) subject to change. Conventional: 80% or less loan-to-value. 1 & 2 family owner occupied. Prepayment penalty: first five years, 1% of original amount of mortgage.

No Fee First Mortgages* (Effective: July 23, 2008)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
10 Year Fixed	10 years	6.000%	0	6.000%	$11.10
15 Year Fixed	15 years	6.500%	0	6.500%	$8.71
20 Year Fixed	20 years	6.600%	0	6.600%	$7.51
*Interest Rate and Annual Percentage Rate (APR) subject to change. 1 & 2 family owner-occupied. Maximum loan-to-value 80%. Minimum loan $25,000. Maximum loan $200,000. Not available for new purchases. No condominiums. No homes listed for sale or intended for sale.

PMI Mortgages* (Effective: July 23, 2008)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed PMI	30 years	6.000%	2	6.511%	$6.00
	30 years	6.250%	1	6.674%	$6.16
	30 years	6.500%	0	7.138%	$6.32
*Interest Rate and Annual Percentage Rate (APR) subject to change. Over 80% to 95% loan-to-value. 1 & 2 family owner-occupied. Prepayment penalty: first five years, 1% of original amount of mortgage.