Rate Sheets for 12/16/11
                                                                             
                                        CONFORMING 30 YR. FIXED (new low)                                 3.625%                            

                                        CONFORMING 15 YR. FIXED                                                  3.000%                             

                                        CONFORMING 5/1 (new low)                                                  2.375%                             

                                        CONFORMING 5/1 INTEREST ONLY                                      2.500%                   

                                        HIGH BALANCE CONF. 30 YR. FIXED                                   3.750%                             

                                        HIGH BALANCE CONF. 15 YR. FIXED (new low)                   3.000%                             

                                        JUMBO 30 YR. FIXED                                                             4.375%                              

                                        JUMBO 5/1 ARM (new low)                                                    3.000%                             

                                        FHA & VA 30 YR. CONF.  FIXED    (new lows)      3.625% & 3.500%    

                                        FHA & VA 15 YR. CONF.  FIXED   (new lows)       3.125% & 3.125%    

                                        FHA & VA 30YR. HI BAL. CONF. FIXED                3.750% & 3.750%    

                                        MY COMMUNITY 30-YR. FIXED                                              4.000%                            

                                        HOMEPATH 30 YR. FIXED                                                     3.750%                             

                                        OPEN ACCESS OR REFI PLUS 30 YR. FIXED (new low)      3.625%                             

                                        GOOD NEIGHBOR 30 YR. FIXED                                           3.750%                            
                         
                                        1 - MONTH LIBOR                                                                 0.2526%

                                        12 - MONTH LIBOR                                                               0.9934%

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

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

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