MORTGAGE RATES February 2, 2012	INTEREST RATE	ANNUAL PERCENTAGE RATE (APR)	POINTS	PAYMENT PER $1,000
CONVENTIONAL MORTGAGE
30 Year Term Fixed Rate	3.990% 4.125% 4.250%	4.209% 4.260% 4.301%	2.000 1.000 -0-	$4.768 $4.846 $4.919
15 Year Term Fixed Rate	3.125% N/A 3.500%	3.506% N/A 3.588%	2.000 N/A -0-	$6.966 N/A $7.148

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

                   FIRST TIME HOMEBUYER RATE - Deduct .25% from 30 year term *restrictions apply                   

                                JUMBO LOANS add .375 to rate - Jumbo loan is $417,000.00 and above

                            INVESTMENT PROPERY - Add .50% to the rate and 1.50 to the points                

                              BEST RATE IN PROCESS - Ask for details  * some restrictions apply

APR's are based on a $100,000.00 loan amount with a 20% down payment.

Payments do not include taxes and insurance.  The actual payment amount may be higher.