Rate Sheets for 7/19/13
                                                                           
CONFORMING 30 YR. FIXED                                                 4.125%                            

CONFORMING 15 YR. FIXED                                                 3.250%                             

CONFORMING 5/1 ARM                                                         2.750%                             

CONFORMING 5/1 INTEREST ONLY                                      3.375%                   

HIGH BALANCE CONF. 30 YR. FIXED                                   4.375%                             

HIGH BALANCE CONF. 15 YR. FIXED                                   3.375%                             

JUMBO 30 YR. FIXED                                                            4.750%                              

JUMBO 5/1 ARM                                                                    2.875%                             

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

FHA & VA 15 YR. CONF.  FIXED                            3.000% & 3.250%    

FHA & VA 30 YR. HI BAL. CONF. FIXED                3.750% & 3.875%    

HOMEPATH 30 YR. FIXED                                                     4.125%                             

OPEN ACCESS OR REFI PLUS 30 YR. FIXED                      4.125%                             

PRIME RATE                                                                          3.250%                          

1 - MONTH LIBOR                                                                  0.1932%

12 - MONTH LIBOR                                                                0.6839%


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

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

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