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CONFORMING Loans amounts-up to $275,000*

30 Year Fixed Rates 15 Year Fixed Rates
Rate Points A.P.R. Rate Points A.P.R.
5.875% 2 6.169 5.375% 1.75 5.637
6.125% 1 6.335 5.625% 0.75 5.806
6.375% 0 6.491 5.875% 0 5.987
7 Yr Fixed - Extendable 5 Yr Fixed - Extendable
Rate Points A.P.R. Rate Points A.P.R.
5.500% 0.25 5.623 5.250% 0.625 5.406
5.625% 0.125 5.747 5.500% 0.375 5.644
5.750% 0 5.861 5.625% 0 5.735
Three Year Treasury ARM
Rate Margin Points Cap A.P.R.
5.500% 2.75 0.5 11.500% 5.647
5.625% 2.75 0.125 11.625% 5.747
5.750% 2.75 0 11.750% 5.861

*All rates are as of November 1, 2001 @11:00 am PST and are for a 30 day lock period..

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