Rate Sheets for 12/2/11
                                                                             
                                        CONFORMING 30 YR. FIXED                                               3.750%                            

                                        CONFORMING 15 YR. FIXED                                               3.125%                             

                                        CONFORMING 5/1                                                                2.500%                             

                                        CONFORMING 5/1 INTEREST ONLY                                    2.500%                  

                                        HIGH BALANCE CONF. 30 YR. FIXED                                 3.875%                            

                                        HIGH BALANCE CONF. 15 YR. FIXED                                 3.375%                            

                                        JUMBO 30 YR. FIXED                                                          4.500%                              

                                        JUMBO 5/1 ARM                                                                  3.125%                             

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

                                        FHA & VA 15 YR. CONF.  FIXED                         3.250% & 3.250%   

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

                                        MY COMMUNITY 30-YR. FIXED                                           4.125%                            

                                        HOMEPATH 30 YR. FIXED                                                  3.750%                             

                                        OPEN ACCESS OR REFI PLUS 30 YR. FIXED                   3.750%                             

                                        GOOD NEIGHBOR 30 YR. FIXED                                        3.750%                            

                                        1 - MONTH LIBOR                                                                0.2435%

                                        12 - MONTH LIBOR                                                              0.9059%

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

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

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