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Current Rates   Last Update:  9/3/2010 1:10:02 PM PST Mortgage Broker/Origination Fee:  0.000%   Lock Period: 30   days Estimated Fees: $1,408 Our Sleep Well At Night Loan (SWAN Loan) is radically simple with low payments AND FIXED rates. Call TODAY for a market update and consultation for a DISCOUNT MORTGAGE - the SWAN Loan. * Based on a $200,000 loan amount for conforming loans and $500,000 for jumbo loans.   Programs: all 30 Year Fixed 15 Year Fixed 3/1 ARM 5/1 ARM FHA 30 Year Fixed VA 30 Year Fixed 7/1 ARM Custom 1 FHA 15 Year Fixed VA 15 Year Fixed 20 Year Fixed All Points Pay 0pts Pay 1pts Pay 2pts Pay 3pts Pay 4pts 30 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 3.875 % $940 1.500 $3,000 4.069 % 3.990 % $954 1.494 $2,988 4.186 % 4.000 % $955 0.875 $1,750 4.143 % 4.125 % $969 0.125 $250 4.206 % 4.250 % $984 -0.500 Get $1,000 4.279 %   15 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 3.250 % $1,405 2.373 $4,746 3.740 % 3.375 % $1,418 1.777 $3,554 3.778 % 3.500 % $1,430 1.250 $2,500 3.826 % 3.625 % $1,442 0.250 $500 3.804 % 3.750 % $1,454 -0.875 Get $1,750 3.765 %   3/1 ARM Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 2.875 % $830 1.685 $3,370 3.093 % 3.000 % $843 1.393 $2,786 3.191 % 3.125 % $857 1.114 $2,228 3.289 % 3.250 % $870 0.845 $1,690 3.388 % 3.375 % $884 0.588 $1,176 3.487 %   5/1 ARM Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 2.750 % $816 0.375 $750 3.595 % 2.875 % $830 -0.125 Get $250 3.542 % 3.000 % $843 -0.625 Get $1,250 3.482 % 3.125 % $857 -0.750 Get $1,500 3.445 % 3.250 % $870 -0.875 Get $1,750 3.399 %   7/1 ARM Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 2.750 % $816 1.375 $2,750 5.356 % 2.875 % $830 0.875 $1,750 5.031 % 3.000 % $843 0.375 $750 4.668 % 3.125 % $857 -0.125 Get $250 4.262 % 3.250 % $870 -0.500 Get $1,000 3.819 %   FHA 30 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 4.000 % $955 1.463 $2,926 4.160 % 4.500 % $1,013 -1.065 Get $2,130 4.449 %   FHA 15 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 4.000 % $1,479 -0.033 Get $66 4.085 %   VA 30 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 4.000 % $955 1.463 $2,926 4.160 % 4.500 % $1,013 -1.065 Get $2,130 4.449 %   VA 15 Year Fixed Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 4.000 % $1,479 -0.033 Get $66 4.085 %   Custom 1 Apply Prequalify RATE PAYMENT* POINTS (%) POINTS ($)* APR 4.750 % $1,043 2.250 $4,500 5.230 % 5.000 % $1,074 2.000 $4,000 5.120 % 5.250 % $1,104 1.500 $3,000 5.389 %   Please Read the Following: Rates, points and programs cannot be guaranteed on this web site because rates, fees, APR, and other costs are subject to individual borrower's credit score, loan-to-value, loan purpose, loan amount, and rapid fluctuations in market conditions. Maximum Loan amount for a conforming loan is $417,000 Loan amounts in excess of $417,000 are considered Jumbo loans. Rates and APR's are based on amounts of $200,000 for Conforming Loans and $500,000 for Jumbo Loans. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

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