Rate Sheets for 1/27/12
                                                                           

                                        CONFORMING 30 YR. FIXED                                     (new low) 3.500%                            

                                        CONFORMING 15 YR. FIXED                                     (new low) 2.750%                             

                                        CONFORMING 5/1                                                (All-time low) 2.375%                             

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

                                        HIGH BALANCE CONF. 30 YR. FIXED                  (All-time low) 3.750%                             

                                        HIGH BALANCE CONF. 15 YR. FIXED                  (All-time low) 3.125%                             

                                        JUMBO 30 YR. FIXED                                           (All-time low) 4.125%                              

                                        JUMBO 5/1 ARM                                                   (All-time low) 2.375%                             

                                        FHA & VA 30 YR. CONF.  FIXED              (new lows) 3.375% & 3.375%    

                                        FHA & VA 15 YR. CONF.  FIXED        (All-time lows) 3.000% & 3.000%    

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

                                        MY COMMUNITY 30-YR. FIXED                              All-time low) 3.625%                            

                                        HOMEPATH 30 YR. FIXED                                         (new low)  3.500%                             

                                        OPEN ACCESS OR REFI PLUS 30 YR. FIXED                            3.625%                             

                                        GOOD NEIGHBOR 30 YR. FIXED                         (All-time low)  3.625%                            

                                        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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