Wednesday, November 16, 2005

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*All programs posted assume a 1% origination fee paid to AmeriSouth & escrows

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: CONFORMING
30 YEAR FIXED	**6.000	0.000	6.114	COMMENTS: 1. **Rates shown are based on loans greater than $300,000 2. For loan amounts between $150,000 & $300,000 add .125% to rate 3. For loan amount less than $150,000, add .250 4. For 80/15/5 Financing add .125 to rate
15 YEAR FIXED	**5.625	0.000	5.736

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: CONFORMING
3/1 ARM	5.375	0.000	5.484	COMMENTS: 1. Rates shown are based on loans > 275,000 2. LTV > 90% add .250 to rate 3. 30 day lock 4. Certain credit restrictions apply
5/1 ARM	5.500	0.000	5.610

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: CONFORMING
7/1 ARM	5.750	0.000	5.836	COMMENTS: 1. LTV >90% add .250 to the rate 2. Certain credit restrictions apply 3. Rates shown are based on loans > 200,000
10/1 ARM	6.000	0.000	6.114

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: CONFORMING
INTEREST ONLY ARM 1 Month	4.375	0.000	4.494	COMMENTS: 1. Rates shown are based on loan amount > 300,000. 2. LTV available to 90% 3 .30 day Lock 4. **good credit required
INTEREST ONLY ARM 5/1	5.750	0.000	5.939

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: JUMBO
30 YEAR FIXED	6.375	0.000	6.483	COMMENTS: 1. Loan amounts up to $650,000 2. **certain LTV restrictions apply 3. 95% LTV available, 30 day lock 4. Call for our Super-Jumbo Rates
15 YEAR FIXED	5.875	0.000	6.051

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: JUMBO
3/1 ARM	5.500	0.000	5.674	COMMENTS: 1. Certain LTV restrictions apply 2. 30 Day Lock: loans up to $650,000
5/1 ARM	5.625	0.000	5.728

LOAN TERM	RATE	POINTS	APR	LOAN TYPE: JUMBO
7/1 ARM	5.875	0.000	5.980	COMMENTS: 1. Certain LTV restrictions apply 2. 30 Day Lock: loans up to $650,000
10/1 ARM	6.000	0.000	6.106

ALL PROGRAMS POSTED ASSUME A 1% ORIGINATION FEE & ESCROWS
Rates are subject to change without notice, certain restrictions apply