11_2_18.

                            Rate Sheets for 11/2/18

CONFORMING 30 YR. FIXED                                                4.500%

CONFORMING 15 YR. FIXED 3.875%

CONFORMING 5/1 ARM 3.875%

INTEREST ONLY 5/1 ARM 4.375%

HIGH BALANCE CONF. 30 YR. FIXED 4.625%

HIGH BALANCE CONF. 15 YR. FIXED 4.000%

JUMBO 30 YR. FIXED 4.625%

JUMBO 5/1 ARM 3.875%

FHA & VA 30 YR. CONF. FIXED 4.125% & 4.250%

FHA & VA 15 YR. CONF. FIXED 3.625% & 3.750%

FHA & VA 30 YR. HI BAL. CONF. FIXED 4.250% & 4.250%

DU REFI PLUS 30 YR. FIXED 4.625%

SELF-EMPLOYED JUMBO 5/1 ARM 4.500%

ALL IN ONE LOAN 5.549%

PRIME RATE 3.750%

1 - MONTH LIBOR 2.3136%

12 - MONTH LIBOR 3.0961%

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

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