Interest Rates as of Wednesday May 24, 2000 Rates are updated on a daily basis by 10:00 PST The rates quoted below are for 45 day locks. Click here to check out our lock policy / procedures!

Conforming Rates $100,000 to $240,000 - 45 day locks   30 Year Fixed Rate Total Points APR Mthly Pmt/$1,000   7.750 2.00 8.01 $7.16 closing costs 8.00 1.00 8.15 $7.33 closing costs 8.125 0.00 8.16 $7.42 closing costs 15 Year Fixed Rate Total Points APR Mthly Pmt/$1,000   7.25 2.00 7.64 $9.12 closing costs 7.625 1.00 7.85 $9.34 closing costs 7.875 0.00 7.93 $9.48 closing costs 7/1 ARM (Fixed for 7 years) Rate Total Points APR Mthly Pmt/$1,000   7.375 2.00 7.63 $6.90 closing costs 7.875 1.00 8.02 $7.25 closing costs 8.00 0.00 8.04 $7.33 closing costs 5/1 ARM (Fixed for 5 years) Rate Total Points APR Mthly Pmt/$1,000   7.250 2.00 7.50 $6.82 closing costs 7.875 1.00 8.02 $7.25 closing costs 8.00 0.00 8.04 $7.33 closing costs 3/1 ARM (Fixed for 3 years) Rate Total Points APR Mthly Pmt/$1,000   7.125 2.00 7.37 $6.73 closing costs 7.500 1.00 7.65 $6.99 closing costs 7.875 0.00 7.91 $7.25 closing costs 7/23 ( Balloon ) Rate Total Points APR Mthly Pmt/$1,000   10.00 0.00 10.05 $8.77 closing costs 10.00 0.00 10.05 $8.77 closing costs 10.000 0.00 10.05 $8.77 closing costs 5/25 ( Balloon ) Rate Total Points APR Mthly Pmt/$1,000   10.00 0.00 10.05 $8.77 closing costs 10.00 0.00 10.05 $8.77 closing costs 10.000 0.00 10.05 $8.77 closing costs

Jumbo Rates Loans above $240,000 - 45 day locks   30 Year Fixed Rate Total Points APR Mthly Pmt/$1,000   8.00 2.00 8.26 $7.33 closing costs 8.25 1.00 8.40 $7.51 closing costs 8.50 0.00 8.54 $7.68 closing costs 15 Year Fixed Rate Total Points APR Mthly Pmt/$1,000   7.625 2.00 8.02 $9.34 closing costs 7.875 1.00 8.10 $9.48 closing costs 8.125 0.00 8.18 $9.62 closing costs 7/1 ARM (Fixed for 7 years) Rate Total Points APR Mthly Pmt/$1,000   7.625 2.00 7.88 $7.07 closing costs 7.875 1.00 8.02 $7.25 closing costs 8.250 0.00 8.29 $7.51 closing costs 5/1 ARM (Fixed for 5 years) Rate Total Points APR Mthly Pmt/$1,000   7.250 2.00 7.50 $6.82 closing costs 7.500 1.00 7.65 $6.99 closing costs 8.00 0.00 8.04 $7.33 closing costs 3/1 ARM (Fixed for 3 years) Rate Total Points APR Mthly Pmt/$1,000   7.250 2.00 7.50 $6.82 closing costs 7.375 1.00 7.52 $6.90 closing costs 7.875 0.00 7.91 $7.25 closing costs

Notes "Total Points" includes both discount and origination points. Make sure you are comparing other lenders/brokers quotes on the same basis! Above pricing has no prepay penalties. Conforming cashout refinances: The rates quoted above are valid for loan amounts up to 75% of the value of your home. Please call for quotes on cashout loans between 75% and 80% of the value of your home. Jumbo cashout refinances: Please add 0.25 to the above quoted points (not to the rate) on loans up to 75% of the value of your home. Please call for quotes on cashout loans between 75% and 80% of the value of your home. There are limits on the amount of cash you may receive at closing. Please call for details. Please call for quotes on non-owner occupied properties. For loans 75,000 to 100,000 please add 0.125 to the above rates. Loans 50,000 to 74,999 add .5 to rate. Rates subject to change without notice. Broker licensed by the California Department of Real Estate.(Phone 916-227-0931), Lic. # 00930036