Current Interest Rates - 1/8/2009

30 Year Conventional Fixed - 4.50%, Points - 1

30 Year Conventional Fixed - 4.875%, Points - 0

15 Year Conventional Fixed - 4.375%, Points - 0.75

15 Year Conventional Fixed - 4.50%, Points - 0

VA & FHA 30 Year Fixed - 4.75%, Origination - 1

VA & FHA 30 Year Fixed - 5.00%, Origination - 0

5/1 ARM Conforming - 4.25%, Origination - 0.75

5/1 ARM Conforming - 4.50%, Origination - 0

Investment Property 30 Year - 80% LTV - 20% Down - 6.75%, Points 1.5

Investment Property 30 Year - 75% LTV - 25% Down - 5.25%, Points 1

USDA Rural Housing - 100% NO PMI - 4.875%, Origination - 2