Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.578%  2.000%
 4.500%  4.617%  1.000%
 4.625%  4.656%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.527%  2.000%
 4.375%  4.534%  1.000%
 4.500%  4.542%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.226%  2.000%
 4.000%  4.201%  1.000%
 4.125%  4.178%  0.000%