Today's Rates:    Conforming    9/5/2008

30 Year Fix        6.375%      APR                    6.63%

30 Yr Fix I/O      6.75%     APR                     7.01%

40 Year Fix         6.875%    APR                    7.13%

15 Fix                 6.375%    APR                     6.63%

5 Year Arm         6.00%    APR                     6.26%

5 Yr Arm I/O      6.50%   APR                     6.76%

Pay Option          1.00%     APR                     7.52%

All Rates assume 20% down payment, full documentation, Loan amounts under $417,000, and 740 mid credit score.  Rates include a 1% origination Fee. All Rates shown are for 12 day lock periods and are subject to change without notice.

Today's Rates:  Jumbo       9/5/2008

30 Yr Fix  8.375%    APR         8.63%

5 Yr Arm   8.125%  APR         8.38%

All Rates assume 20% down payment, full documentation, and 740 mid credit score. All jumbo rates include a 1% origination fee. All Rates shown are for 12 day lock periods and are subject to change without notice.