Rate Sheets for 12/23/11
                    

                                        CONFORMING 30 YR. FIXED                                                3.750%                            

                                        CONFORMING 15 YR. FIXED                                                3.000%                             

                                        CONFORMING 5/1                                                                 2.375%                             

                                        CONFORMING 5/1 INTEREST ONLY   (new low)                  2.375%                   

                                        HIGH BALANCE CONF. 30 YR. FIXED                                  3.875%                             

                                        HIGH BALANCE CONF. 15 YR. FIXED                                  3.250%                             

                                        JUMBO 30 YR. FIXED   (new low)                                         4.250%                              

                                        JUMBO 5/1 ARM (new low)                                                   2.875%                             

                                        FHA & VA 30 YR. CONF.  FIXED    (new lows)     3.750% & 3.750%    

                                        FHA & VA 15 YR. CONF.  FIXED   (new lows)      3.125% & 3.250%    

                                        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                     3.750%                             

                                        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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