Rate Sheets for 5/21/10

CONFORMING 30 YR. FIXED                               4.500%

CONFORMING 15 YR. FIXED                               4.000%

CONFORMING 5/1                                                3.250%

FNMA DU REFI PLUS                                           4.500%

HIGH BAL. CONFORMING 30 YR. FIXED             4.625%

HIGH BAL. CONFORMING 15 YR. FIXED             4.250%

JUMBO 30 YR. FIXED                                           5.350%

JUMBO 15 YR. FIXED                                           4.950%

JUMBO 5/1 ARM                                                   3.800%

JUMBO 3/1  ARM                                                  3.000%

FHA & VA CON. 30 YR. FIXED                 4.375 & 4.500%

FHA/VA CON. 15 YR. FIXED                      4.00 & 4.250%

FHA/VA 30 YR. FIXED CON. JUMBO                    4.500%

     MY COMMUNITY 30 YR. FIXED                                 5.250%        

PRIME RATE                                                            3.25%

1 MONTH LIBOR                                                      .2573%

12 - MONTH LIBOR                                                  .9514%

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

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

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