Rate Sheets for 9/30/11

                                        CONFORMING 30 YR. FIXED                                                3.750%                            

                                        CONFORMING 15 YR. FIXED                                                3.000%                             

                                        CONFORMING 5/1                                                                 2.500%                             

                                        CONFORMING 5/1 INTEREST ONLY                                     3.000%                   

                                        HIGH BALANCE CONF. 30 YR. FIXED                                  3.875%                             

                                        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                          3.500% & 3.625%    

                                        FHA & VA 15 YR. CONF.  FIXED                          3.250% & 3.250%    

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

                                        HOMEPATH 30 YR. FIXED                                                    3.750%                             

                                        OPEN ACCESS OR REFI PLUS 30 YR. FIXED                     3.750%                             

                                        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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