Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.325%  2.000%
 4.250%  4.365%  1.000%
 4.375%  4.405%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.148%  2.000%
 4.000%  4.157%  1.000%
 4.125%  4.166%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  3.973%  2.000%
 3.750%  3.950%  1.000%
 3.875%  3.927%  0.000%