60-180 mos.		181-240 mos.		241-360 mos.
Fixed Rate Loans	15 Year		20 Year		30 Year
	RATE	A.P.R.	RATE	A.P.R.	RATE	A.P.R.
Monday, November 02, 2009	4.30%	4.41%	4.85%	4.94%	4.95%	5.02%
Tuesday, November 03, 2009	4.40%	4.51%	5.00%	5.09%	5.05%	5.12%
Wednesday, November 04, 2009	4.45%	4.56%	5.05%	5.14%	5.10%	5.17%
Thursday, November 05, 2009	4.45%	4.56%	5.00%	5.09%	5.05%	5.12%
Friday, November 06, 2009	4.40%	4.51%	4.95%	5.04%	5.05%	5.12%
Monday, November 09, 2009	4.40%	4.51%	4.80%	4.89%	4.90%	4.97%
Tuesday, November 10, 2009	4.35%	4.46%	4.85%	4.94%	4.95%	5.02%
Wednesday, November 11, 2009	Holiday	Holiday	Holiday	Holiday	Holiday	Holiday
Thursday, November 12, 2009	4.35%	4.46%	4.85%	4.94%	4.95%	5.02%
Friday, November 13, 2009	4.35%	4.46%	4.80%	4.89%	4.90%	4.97%
Monday, November 16, 2009	4.30%	4.41%	4.75%	4.84%	4.85%	4.92%
Tuesday, November 17, 2009	4.30%	4.41%	4.75%	4.84%	4.85%	4.92%
Wednesday, November 18, 2009	4.35%	4.46%	4.75%	4.84%	4.85%	4.92%
Thursday, November 19, 2009	4.35%	4.46%	4.75%	4.84%	4.85%	4.92%
Friday, November 20, 2009	4.35%	4.46%	4.75%	4.84%	4.85%	4.92%
Monday, November 23, 2009
Tuesday, November 24, 2009
Wednesday, November 25, 2009
Thursday, November 26, 2009	Holiday	Holiday	Holiday	Holiday	Holiday	Holiday
Friday, November 27, 2009
Monday, November 30, 2009
The above Annual Percentage Rate (APR) calculations are based on a $100,000
mortgage amount with 20% equity/down payment on a purchase transaction. Monthly
payments are required according to the term of amortization selected.  A 180 month
loan at an APR of 6.672% would have monthly payments of $696.89 (final payment
would be $695.70).  The total finance charge would be $46,521.68 including interest.
A 240 month loan at an APR of 6.678% would have monthly payments of $595.46
(final payment would be $595.72).  The total finance charge would be $64,482.33
including interest.  A 360 month loan at an APR of 6.635% would have monthly
payments of $505.65 (final payment would be $510.65). Equity and down payments
of less than 20% require the purchase of private mortgage insurance, which will
increase the APR.  Your actual experience may be different.  Maximum loan amount
is $417,000.  Rates are effective at the time posted and may change without notice.
Please call for further information.