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
 3.500%  3.770%  2.000%
 3.625%  3.780%  1.000%
 3.750%  3.791%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.595%  2.000%
 3.375%  3.573%  1.000%
 3.500%  3.552%  0.000%