30 Year

8.50

Points

0+0

APR*

8.395

15 Year

8.00

Points

0+0.25

APR*

8.156

* annual percentage rate
** over $417,000; effective 11/20/2008; rates subject to change without notice; not all applicants will qualify for these rates

30 Year

6.000

Points

0+0

APR*

6.053

15 Year

6

Points

0+0

APR*

6.085

* annual percentage rate
** $100,000 to $417,000; effective 11/20/2008; rates subject to change without notice; not all applicants will qualify for these rates

30 Year

5.875

Points

0+0

APR

6.440

15 Year

5.5

Points

0+0

APR

5.675

annual percentage rate
$100,000 to $271,050; + 0.375% for VA; effective 11/20/2008; rates subject to change without notice; not all applicants will qualify for these rates