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   Purchase      Refinance      Pre-Approval    
as of 7/3/2008
 Program Rate Points APR
 30 Year Fixed 6.500 0.000 6.574
 20 Year Fixed 6.375 0.000 6.472
 15 Year Fixed 6.000 0.000 6.125
 New Construction 6.750 0.000 6.821
 Jumbo 30 Fixed 6.750 0.000 6.800
 FHA 30 Year Fixed 6.750 0.000 6.969
 Rural 30 Yr. 100% LTV 6.750 0.000 6.821
 3/3 ARM 5.125 0.000 5.630
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