Rate Sheets for 12/9/11
                                                                             
                                       

                                        CONFORMING 30 YR. FIXED                                             3.750%                            

                                        CONFORMING 15 YR. FIXED   (new low)                          3.000%                             

                                        CONFORMING 5/1 (new low)                                             2.375%                             

                                        CONFORMING 5/1 INTEREST ONLY                                 2.500%                   

                                        HIGH BALANCE CONF. 30 YR. FIXED   (new low)            3.750%                             

                                        HIGH BALANCE CONF. 15 YR. FIXED                               3.250%                             

                                        JUMBO 30 YR. FIXED (new low)                                        4.375%                              

                                        JUMBO 5/1 ARM (new low)                                                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  (new low)                         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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