Conventional
30 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.072%  2.000%
 4.000%  4.113%  1.000%
 4.125%  4.155%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.896%  2.000%
 3.750%  3.906%  1.000%
 3.875%  3.916%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.125%  3.469%  2.000%
 3.250%  3.447%  1.000%
 3.375%  3.427%  0.000%