Company Name Lending - Current Rates

LOAN PROGRAM	INTEREST RATE	APR *	MONTHLY PRINCIPAL & INTEREST PAYMENT PER $1,000 BORROWER +-
Access to Housing **	6.500%	6.587%	$6.32
30 Year Fixed Rate	6.500%	6.579%	$6.32
20 Year Fixed Rate	6.250%	6.353%	$7.30
15 Year Fixed Rate	6.000%	6.128%	$8.43
10 Year Fixed Rate	6.000%	6.181%	$11.10
Land Loan 3 Year Adjustable Rate Mortgage 120 Month	9.250%	8.316%	$12.01
3/1 Adjustable Rate Mortgage 360 Month	6.000%	6.702%	$6.53
5/1 Adjustable Rate Mortgage 360 Month	6.125%	6.782%	$6.66
6/1 Adjustable Rate Mortgage 360 Month	6.250%	6.780%	$6.65
3 Year Adjustable Rate Mortgage 360 Month - Primary Residences only	6.250%	6.685%	$6.46
Home Equity Loan 120 Month	6.250%	6.432%	$11.22
Home Equity Loan 180 Month	6.500%	6.630%	$8.71
Home Equity Line of Credit ***	5.500%	5.500%	$4.67

All payment amounts do not include taxes, insurance, flood insurance and private mortgage insurance (PMI) unless otherwise noted.

* The APR (Annual Percentage Rate) is based upon a $100,000 loan amount with a loan to value ratio of 80% or less, unless otherwise noted, subject to approval, additional terms and conditions may apply.

** The APR for the Access to Housing product is based upon a $100,000 loan amount, with a loan to value ratio of 97% or less, subject to approval, additional terms and conditions may apply. The payment amount does not include taxes, insurance or flood insurance. The APR for this product does include PMI.

*** The APR for the Home Equity Line of Credit is adjustable monthly to the Wall Street Journal/Prime Rate. The interest rate will not go below 5.50% or above 15%. subject to approval, additional terms and conditions may apply

The APR for adjustable-rate mortgages may increase after consummation. Interest rates are subject to change without notice.