Rates as of

Monday

August 18, 2008

         Rate             APR

30 yr Fixed: 6.375% 6.516%

360 Payments of      $623.87

15 yr Fixed:5.875%   6.143%

180 Payments of       $837.12

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*Rates based on $100,000 loan amount, 80% loan-to-value, rates subject to change anytime.