Rate Sheets for 7/16/10

CONFORMING 30 YR. FIXED                               4.250%

CONFORMING 15 YR. FIXED                               3.750%

CONFORMING 5/1                                                3.250%

FNMA DU REFI PLUS                                           4.250%

HIGH BAL. CONFORMING 30 YR. FIXED             4.375%

HIGH BAL. CONFORMING 15 YR. FIXED             3.750%

JUMBO 30 YR. FIXED                                           5.375%

JUMBO 15 YR. FIXED                                           4.900%

JUMBO 5/1 ARM                                                   3.800%

JUMBO 3/1  ARM                                                  3.150%

FHA & VA CON. 30 YR. FIXED                  4.250 & 4.250%

FHA/VA CON. 15 YR. FIXED                     3.875 & 4.000%

FHA/VA 30 YR. FIXED CON. JUMBO        4.250 & 4.250%

     MY COMMUNITY 30 YR. FIXED                                 4.750%        

PRIME RATE                                                            3.25%

1 MONTH LIBOR                                                      .3489%

12 - MONTH LIBOR                                                 1.1894%

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

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

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