|  | |  |  | | | | OR | | | | For 07/14/2009 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 5.000% | 5.157% | $805.23 | | 15 Year (fixed) | 4.375% | 4.698% | $1137.93 | | 3/1 Arm* | 4.500% | 4.264% | $760.03 | | | | FHA | 0.00000% | 0.00000% | $0 | Calculations based on loan amount of $150,000 at an 80% loan-to-value. *ARM loans based on 30 year term and APR may increase after closing. | |