Rates are current as of August 1, 2008

720+

Prime -0.50%

4.50%

Prime +0.50%

5.50%

Prime +1.50%

6.50%

680-719

Prime

5.00%

Prime +1.00%

6.00%

Prime +2.00%

7.00%

640-679

Prime +1.00%

6.00%

Prime +2.00%

7.00%

Prime +3.00%

8.00%

600-639

Prime +2.00%

7.00%

Prime +3.00%

8.00%

Prime +4.00%

9.00%

550-599

Prime +3.00%

8.00%

Prime +4.00%

9.00%

Prime +5.00%

10.00%

549 or less

Prime +4.00%

9.00%

Prime +5.00%

10.00%

Prime +6.00%

11.00%

Maximum amount

$200,000

$100,000

$75,000

Floor

The floor is 4.00%

First Draw

First draw amount is a minimum of $1,000

Draw period

Ten year draw period with a ten year repayment

Maximum APR for a variable rate loan: 18%

Rates above reflect the annual percentage rate

Your rate is based on your current financial situation and credit history

Closing costs are waived provided the loan is maintained for a minimum of 2 years.

Closing costs can range from $162.00 to $425.00

720+

5.75%

6.75%

7.75%

680-719

6.25%

7.25%

8.25%

640-679

7.25%

8.25%

9.25%

600-639

8.25%

9.25%

10.25%

550-599

9.25%

10.25%

11.25%

549 or less

10.25%

11.25%

12.25%

The floor is the prime rate

Rates above reflect the annual percentage rate

Your rate is based on your current financial situation and credit history