1_18_19.

                            Rate Sheets for 1/18/19

CONFORMING 30 YR. FIXED                                                4.000%

CONFORMING 15 YR. FIXED 3.375%

CONFORMING 5/1 ARM 3.500%

HIGH BALANCE CONF. 30 YR. FIXED 4.125%

HIGH BALANCE CONF. 15 YR. FIXED 3.375%

JUMBO 30 YR. FIXED 4.125%

JUMBO 5/1 ARM 3.375%

FHA & VA 30 YR. CONF. FIXED 3.500% & 3.625%

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

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

HOME READY 30 YR. FIXED 3.875%

SELF-EMPLOYED JUMBO 5/1 ARM 5.250%

INTEREST ONLY 5/1 ARM 3.875%

ALL IN ONE LOAN 5.769%

PRIME RATE 5.250%

1 - MONTH LIBOR 2.5030%

12 - MONTH LIBOR 3.0119%

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

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