pToday's Mortgage Rates

These are Owner Occupied Property Rates with a 720 FICO score, 75%

Loan to Value - No cash out Refinance. Loan amounts of $150,000-$417,000

1/5/2009 1:58:10 PM

15 Year Fixed Conforming 1st Mortgage

Interest Rate	Origination Fee	Discount Points	APR
4.250%	1.000%	0.125%	4.472%
4.375%	0.375%	0.000%	4.478%
4.500%	0.125%	0.000%	4.563%
4.625%	0.125% Rebate	to closing costs	4.648%
4.750%	0.25% Rebate	to closing costs	4.753%

30 Year Fixed Conforming 1st Mortgage

Interest Rate	Origination Fee	Discount Points	APR
4.500%	1.000%	0.875%	4.704%
4.625%	1.000%	0.625%	4.805%
4.750%	1.000%	0.250%	4.895%
4.875%	0.625%	0.000%	4.960%
5.000%	0.375%	0.000%	5.062%
5.125%	0.250%	0.000%	5.175%
5.250%	0.000%	0.000%	5.276%

Rates are based on 30 day lock to funding.

Rates and points are based on $150,000-$417,000 loan amount originated on internet - * add .250% discount for loans $75,000 - $149,950 * add 1% discount for loans $50,000- $74,950. Cash out over 60% loan to value may be subject to pricing adjustment based on credit score. All rates based on 720+ credit score. Loans may have other pricing adjustments based on loan to value and credit score - please call. Escrow account waiver is available on all loans for a .25% escrow waiver fee - subject to loan to value limitations and underwriter approval. ** Rates subject to change at any time without notice. All loans subject to underwriter approval.

For VA and Jumbo Mortgage Rates and Availability

Please call 303-466-3562 or Toll Free @ 1-866-466-3012