|  |  | | | OR | | |  | | For 12/02/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 5.125% | 5.277% | $816.73 | | 15 Year (fixed) | 4.875% | 5.153% | $1176.45 | | 3/1 Arm* | 5.750% | 5.443% | $875.36 | | | | FHA | 0.000% | 0.000% | $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. | |