August 10, 2010

Rates Right This Second

30 Year Fixed Conforming

15 Year Fixed Conforming

Points

3/8

0

No Cost

0

No Cost

Amount

417,000

417,000

417,000

417,000

417,000

Note Rate

4 1/4

4 3/8

4.5

3 3/4

-------

4.125

APR

4.362%

4.434%

4.75%

3.852%

4.125%

30 Year Fixed High Balance

15 Year Fixed High Balance

Points

1

0

No Cost

5/8

0

No Cost

Amount

729,750

729,750

729,750

729,750

729,750

729,750

Note Rate

4 3/8

4 5/8

4 3/4

3.875

4

4 1/4

APR

4.417%

4.668%

4.750%

4.060%

4.073%

4.25%

Right This Second Rates assumes all paper work has been completed and approved by the lender with no conditions. Appraisal has been completed and approved with no condition. Rates are quoted at the moment the email is generated. Rates can and do change intraday therefore rates are subject to change without notice.

No cost loans or net no cost loan cover non-recurring closing costs of the new loan. It does not cover costs of prior loans, or payoffs, or subordinations of any loans. Nor does a no cost loan or net no cost loan cover any interest whatsoever. Prepaid interest is not a cost. It is the interest you pay at closing to cover the period from the time the bank funds your loan (the day before or day of closing) to the date your first payment is due.

Rates shown assume 740 Fico, 60% LTV