Conventional
30 Year Fixed Rate
 Rate  APR  Points
 6.500%  6.575%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 6.000%  6.351%  2.000%
 6.375%  6.601%  1.000%
 6.625%  6.724%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 5.625%  6.061%  2.000%
 6.125%  6.406%  1.000%
 6.625%  6.748%  0.000%