Today's Rates: January 12, 2009

40 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 7.25%

                    APR: 7.462%

        MONTHLY PAYMENT: $927.53

           PAYMENT TERM: 40 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 4.75%

                    APR: 4.960%

        MONTHLY PAYMENT: $756.39

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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20 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 5.0%

                    APR: 5.289%

        MONTHLY PAYMENT: $956.94

           PAYMENT TERM: 20 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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15 YEAR FIXED (CONFORMING LOAN RATE)

          INTEREST RATE: 4.75%

                    APR: 5.115%

        MONTHLY PAYMENT: $1,127.86

           PAYMENT TERM: 15 YEARS

            LOAN AMOUNT: $145,000

PREPAID FINANCE CHARGES: $2,000

           DOWN PAYMENT: 20%

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30 YEAR FIXED (FHA)

          INTEREST RATE: 5.0%

                    APR: 5.645%

        MONTHLY PAYMENT: $893.53

           PAYMENT TERM: 30 YEARS

            LOAN AMOUNT: $151,000

PREPAID FINANCE CHARGES: $1,700

           DOWN PAYMENT: 3.5%