1_16_15.

                            Rate Sheets for 1/16/15

CONFORMING 30 YR. FIXED                                                 3.375%

CONFORMING 15 YR. FIXED 2.500%

CONFORMING 5/1 ARM 2.375%

CONFORMING 5/1 ARM STATED INCOME 4.375%

HIGH BALANCE CONF. 30 YR. FIXED 3.500%

HIGH BALANCE CONF. 15 YR. FIXED 2.750%

JUMBO 30 YR. FIXED 3.625%

JUMBO 5/1 ARM 2.625%

FHA & VA 30 YR. CONF. FIXED 3.000% & 3.125%

FHA & VA 15 YR. CONF. FIXED 2.500% & 2.500%

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

HOMEPATH 30 YR. FIXED na

OPEN ACCESS OR REFI PLUS 30 YR. FIXED 3.375%

ALL IN ONE LOAN 3.669%

PRIME RATE 3.250%

1 - MONTH LIBOR 0.1536%

12 - MONTH LIBOR 0.5524%

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

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