Rate Sheets for 8/19/11

CONFORMING 30 YR. FIXED                                                  3.875%

 CONFORMING 15 YR. FIXED                                                 3.250%

CONFORMING 5/1                                                                   2.750%

CONFORMING 5/1 INTEREST ONLY                                       2.875%

HIGH BALANCE CONF. 30 YR. FIXED                                    4.000%

HIGH BALANCE CONF. 15 YR. FIXED                                    3.250%

JUMBO 30 YR. FIXED                                                              4.750%

JUMBO 5/1 ARM                                                                      3.250%

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

FHA & VA 15 YR. CONF.  FIXED                            3.500% & 3.500%

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

HOMEPATH 30 YR. FIXED                                                       3.250%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED                        3.875%

CalHFA FHA 30-YR. FIXED                                                      4.250%

HOME OWNERSHIP ACCELERATOR (to $2.5 million)           3.288%

1 - MONTH LIBOR                                                                 0.1864%

12 - MONTH LIBOR                                                               0.7445%

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

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

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