Rate Sheets for 9/16/11

                                CONFORMING 30 YR. FIXED                                                          3.875%                            

                                CONFORMING 15 YR. FIXED                                                          3.125%                             

                                CONFORMING 5/1                                                                           2.500%                             

                                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                                                                      4.625%                            

                                JUMBO 5/1 ARM                                                                              3.250%                            

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

                                FHA & VA 15 YR. CONF.  FIXED                                                     3.375% & 3.500%   

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

                                HOMEPATH 30 YR. FIXED                                                              4.000%                           

                                OPEN ACCESS OR REFI PLUS 30 YR. FIXED                                3.875%                            

                                CalHFA FHA 30-YR. FIXED                                                             4.125%                           

                                HOME OWNERSHIP ACCELERATOR                                             3.321%                           

                                1 - MONTH LIBOR                                                                           0.2103%

                                12 - MONTH LIBOR                                                                        0.7774%

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

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

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