Mortgage Rates

Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
Mortgages* (Effective: Thursday, February 09, 2012)
Fixed Rate Mortgages*	15 years	3.250%	0	3.434%	$7.03
	20 years	3.875%	0	3.946%	$6.00
	30 years	4.000%	0	4.052%	$4.78

Adjustable Rate Mortgage,*	1 year	3.125%	0	2.827%	$4.29
	3 years	3.125%	0	2.879%	$4.29
	5 years	3.250%	0	2.971%	$4.36
The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. The monthly amount shown includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required. Your APR will vary based on your final loan amount and finance charges. *Special information for all adjustable rate mortgages: The initial interest rate is a premium rate and will remain in effect for the initial term. After the initial term, the APR, interest rate and principal and interest payment are subject to change and may increase due to market driven changes to the index.