12_11_15.

                            Rate Sheets for 12/11/15

CONFORMING 30 YR. FIXED                                                 3.625%

CONFORMING 15 YR. FIXED 2.750%

CONFORMING 5/1 ARM 2.625%

CONFORMING 5/1 ARM STATED INCOME 4.250%

HIGH BALANCE CONF. 30 YR. FIXED 3.750%

HIGH BALANCE CONF. 15 YR. FIXED 2.990%

JUMBO 30 YR. FIXED 3.875%

JUMBO 5/1 ARM 3.000%

FHA & VA 30 YR. CONF. FIXED 3.250% & 3.250%

FHA & VA 15 YR. CONF. FIXED 2.750% & 2.750%

FHA & VA 30 YR. HI BAL. CONF. FIXED 3.250% & 3.250%

ASSET BASED/SE JUMBO 5/1 ARM 4.250%

DU REFI PLUS 30 YR. FIXED 3.625%

ALL IN ONE LOAN 3.493%

PRIME RATE 3.250%

1 - MONTH LIBOR 0.268%

12 - MONTH LIBOR 1.011%

Conforming =/< $417,000 < H.B. Conforming < $697,500 < Jumbo

RATES CHANGE DAILY, ABOVE RATES PRICED @ PAR, 30 DAY LOCKS ASSUMED