3% Down Home One Mortgage  Rate  APR  Points  7.750%  8.280%  0.375% Conforming Fixed Rates 15 Year Fixed Rate  Rate  APR  Points  6.875%  7.065%  0.375% 20 Year Fixed Rate  Rate  APR  Points  7.125%  7.279%  0.375% 30 Year Fixed Rate  Rate  APR  Points  7.375%  7.470%  0.125% Super Conforming Fixed Rates Super Conforming 15 Year Fixed  Rate  APR  Points  7.250%  7.430%  0.375% Super Conforming 20 Year Fixed  Rate  APR  Points  7.500%  7.614%  0.125% Super Conforming 30 Year Fixed  Rate  APR  Points  7.500%  7.602%  0.250% Jumbo Fixed Rates Jumbo 15 Year Fixed  Rate  APR  Points  6.875%  7.028%  0.375% Jumbo 20 Year Fixed  Rate  APR  Points  7.125%  7.250%  0.375% Jumbo 30 Year Fixed  Rate  APR  Points  7.375%  7.447%  0.125% TermBusters 5 Year Term Buster  Rate  APR  Points  6.875%  6.876%  0.000% 7 Year Term Buster  Rate  APR  Points  7.000%  7.001%  0.000% 10 Year Term Buster  Rate  APR  Points  7.125%  7.126%  0.000% Zero Down 7/1 ARM ZERO DOWN MI  Rate  APR  Points  7.375%  8.325%  0.000% 7/1 ARM ZeroDown  Rate  APR  Points  7.875%  8.051%  0.000% Conforming ARM Rates 5/5 ARM  Rate  APR  Points  7.000%  7.153%  0.000% 5/5 ARM Conforming Advantage  Rate  APR  Points  7.125%  7.206%  0.000% 5/1 ARM  Rate  APR  Points  6.875%  7.538%  0.000% 7/1 ARM  Rate  APR  Points  7.375%  7.687%  0.000% Super Conforming ARM Rates SUPER CONFORMING 5/1 ARM  Rate  APR  Points  7.125%  7.660%  0.250% SUPER CONFORMING 7/1 ARM  Rate  APR  Points  7.625%  7.841%  0.250% Jumbo ARM Rates Jumbo 5/5 ARM  Rate  APR  Points  7.000%  7.131%  0.000% 5/5 ARM Jumbo Advantage  Rate  APR  Points  7.125%  7.183%  0.000% Jumbo 5/1 ARM  Rate  APR  Points  6.875%  7.515%  0.000% Jumbo 7/1 ARM  Rate  APR  Points  7.375%  7.664%  0.000% Home Equity Adj. Rate Home Equity Line of Credit 80 HELOC  Rate  APR  Points  7.750%  7.750%  0.000% Home Equity Fixed 10 Year Fixed Equity 80 Loan  Rate  APR  Points  7.000%  7.000%  0.000% 15 Year Fixed Equity 80 Loan  Rate  APR  Points  7.500%  7.500%  0.000% 20 Year Fixed Equity 80 Loan  Rate  APR  Points  7.875%  7.875%  0.000%