Rate Sheets for 10/29/10

CONFORMING 30 YR. FIXED                               4.000%

CONFORMING 15 YR. FIXED                               3.375%

CONFORMING 5/1 ARM                                       2.875%

CONFORMING 5/1 ARM INTEREST ONLY          3.000%

CALPERS 30 YR. FIXED CONFORMING             4.125%

DU REFI PLUS CONFORMING 30 YR. FIXED      4.000%

HOMEPATH CONFORMING 30 YR. FIXED          4.125%

HIGH BALANCE CONFORMING 30 YR. FIXED    4.250%

HOME OWNERSHIP ACCELERATOR                 3.606%

JUMBO 30 YR. FIXED                                          4.950%

JUMBO 5/1 ARM                                                  3.400%

FHA/VA CONF. 30 YR. FIXED                 3.875 & 4.000%

FHA/VA CONF. 15 YR. FIXED                 3.750 & 3.750%

     FHA/VA 30 YR. FIXED JUMBO                   4.000 & 4.000%        

MY COMMUNITY CONF. 30 YR. FIXED                 4.625%

PRIME RATE                                                         3.250%

1 - MONTH LIBOR                                                0.2571%

12 - MONTH LIBOR                                              0.8073%

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

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

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