Rate Sheets for 1/22/16
                                                                           
CONFORMING 30 YR. FIXED                                                 3.500%                            

CONFORMING 15 YR. FIXED                                                 2.750%                             

CONFORMING 5/1 ARM                                                         2.500%                             

CONFORMING 5/1 ARM STATED INCOME                            3.250%                   

HIGH BALANCE CONF. 30 YR. FIXED                                   3.625%                             

HIGH BALANCE CONF. 15 YR. FIXED                                   2.875%                             

JUMBO 30 YR. FIXED                                                            3.750%                              

JUMBO 5/1 ARM                                                                    2.750%                             

FHA & VA 30 YR. CONF.  FIXED                           3.250% & 3.250%    

FHA & VA 15 YR. CONF.  FIXED                           2.750% & 2.750%    

FHA & VA 30 YR. HI BAL. CONF. FIXED               3.250% & 3.250%    

DU REFI PLUS 30 YR. FIXED                                                3.625%    

ALL IN ONE LOAN                                                                 3.677% 

PRIME RATE                                                                          3.250%                          

1 - MONTH LIBOR                                                                  0.429%

12 - MONTH LIBOR                                                                1.178%


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

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

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