Rate Sheets for 1/13/12
                                   

                                        CONFORMING 30 YR. FIXED                                    (new low) 3.500%                            

                                        CONFORMING 15 YR. FIXED                                    (new low) 2.875%                             

                                        CONFORMING 5/1                                                                     2.375%                             

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

                                        HIGH BALANCE CONF. 30 YR. FIXED                                      3.750%                             

                                        HIGH BALANCE CONF. 15 YR. FIXED                                      3.250%                             

                                        JUMBO 30 YR. FIXED                                               (new low) 4.125%                              

                                        JUMBO 5/1 ARM                                                       (new low) 2.500%                             

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

                                        FHA & VA 15 YR. CONF.  FIXED           (new lows)  3.000% & 3.000%    

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

                                        MY COMMUNITY 30-YR. FIXED                                (new low) 3.750%                            

                                        HOMEPATH 30 YR. FIXED                                       (new low) 3.625%                             

                                        OPEN ACCESS OR REFI PLUS 30 YR. FIXED        (new low) 3.500%                             

                                        GOOD NEIGHBOR 30 YR. FIXED                             (new low) 3.750%                            

                                        1 - MONTH LIBOR                                                                   0.2830%

                                        12 - MONTH LIBOR                                                                 1.0987%

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

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

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