Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.704%  2.000%
 4.625%  4.743%  1.000%
 4.750%  4.781%  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
 4.000%  4.352%  2.000%
 4.125%  4.327%  1.000%
 4.250%  4.303%  0.000%