2. No Fee First Mortgages* (Effective: June 23, 2009)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
10 Year Fixed	10 years	4.900%	0	4.900%	$10.56
15 Year Fixed	15 years	5.375%	0	5.375%	$8.11
20 Year Fixed	20 years	5.750%	0	5.750%	$7.02
*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 $350,000. Not available for new purchases. No condominiums. No homes listed for sale or intended for sale.

3. Conventional Mortgages* (Effective: June 23, 2009)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
15 Year Fixed	15 years	4.500%	2	4.917%	$7.65
	15 years	4.625%	1	4.890%	$7.71
	15 years	4.875%	0	4.989%	$7.84
20 Year Fixed	20 years	5.125%	2	5.394%	$6.67
	20 years	5.375%	1	5.526%	$6.81
	20 years	5.625%	0	5.657%	$6.95
30 Year Fixed	30 years	5.375%	2	5.627%	$5.60
	30 years	5.625%	1	5.740%	$5.76
	30 years	5.875%	0	5.899%	$5.92
*Interest Rate and Annual Percentage Rate (APR) subject to change. Conventional: 80% or less loan-to-value. 1 & 2 family owner occupied. No prepayment penalty.

4. Construction Mortgages* (Effective: June 23, 2009)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
15 Year Fixed	15 years	4.500%	2	4.934%	$7.65
	15 years	4.625%	1	4.911%	$7.71
	15 years	4.875%	0	5.015%	$7.84
20 Year Fixed	20 years	5.125%	2	5.481%	$6.67
	20 years	5.375%	1	5.612%	$6.81
	20 years	5.625%	0	5.744%	$6.95
30 Year Fixed	30 years	5.375%	2	5.645%	$5.60
	30 years	5.625%	1	5.807%	$5.76
	30 years	5.875%	0	5.967%	$5.92
*Interest Rate and Annual Percentage Rate (APR) subject to change. Conventional: 80% or less loan-to-value. 1 & 2 family owner occupied.

5. PMI Mortgages* (Effective: June 23, 2009)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed PMI	30 years	5.375%	2	5.907%	$5.60
	30 years	5.625%	1	6.072%	$5.76
	30 years	5.875%	0	6.235%	$5.92
*Interest Rate and Annual Percentage Rate (APR) subject to change. Over 80% to 95% loan-to-value. 1 & 2 family owner-occupied. No prepayment penalty.