Rate Sheets for 8/7/09

CONFORMING 30 YR. FIXED                           5.125%

CONFORMING 15 YR. FIXED                           4.375%

CONFORMING 5/1                                              4.00%

FNMA DU REFI PLUS                                        5.375%

HIGH BAL. CONFORMING 30 YR. FIXED          5.375%

HIGH BAL. CONFORMING 15 YR. FIXED          4.625%

JUMBO 30 YR. FIXED                                        6.350%

JUMBO 15 YR. FIXED                                         5.550%

JUMBO 5/1 ARM                                                 4.950%

JUMBO 3/1  ARM                                                3.900%

FHA & VA CON. 30 YR. FIXED                            5.375%

FHA/VA CON. 15 YR. FIXED                    5.00 & 4.875%

FHA/VA 30 YR. FIXED CON. JUMBO         5.50 & 5.75%

PRIME RATE                                                      3.25%

MTA INDEX                                                       .9008%

COFI INDEX                                                      1.599%

12 - month LIBOR                                           1.5014%

 Conforming =/< $417,000 < H.B. Conforming < $546,250 < Jumbo

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

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