Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.957%  2.000%
 4.875%  4.994%  1.000%
 5.000%  5.031%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.907%  2.000%
 4.750%  4.912%  1.000%
 4.875%  4.917%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.605%  2.000%
 4.375%  4.578%  1.000%
 4.500%  4.553%  0.000%