~ Rates as of November 18, 2006~

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	No Points	1 Point	2 Points	3 Points
30 Year Fixed	6.500%	6.25%	6.00%	5.75%
15 Year Fixed	6.25%	6.00%	5.75%	5.50%
One Year ARM	N/A%	5.50%	4.875%	4.375%
3/1 ARM	6.375%	5.875%	5.625%	5.250%
5/1 ARM	6.375%	6.125%	5.750%	5.50%
7/1 ARM	6.50%	6.125%	5.875%	5.625%

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