CURRENT RATES

Effective 01/05/09

****Add. 50% to rate
for non owner
CONFORMING FIXED
30/30


15/15

4.875%
(1.00)
  4.50%
(1.00)
5.125%
(0.50)
4.75%
(0.50)
5.25%
(0.00)
4.875%
(0.00)
 
JUMBO FIXED
30/30

 
15/15

5.125%
(1.00)
 
4.75%
(1.00)
5.375%
(0.50)
 
5.00%
(0.50)
5.50%
(0.00)
 
5.25%
(0.00)
CONFORMING 7/1 & 5/1 FIXED ARM
30/7

 
30/5

4.875%
(1.00)
 
4.75%
(1.00)
5.00%
(0.50)
 
4.875%
(0.50)
5.125%
(0.00)
 
5.00%
(0.00)
 

JUMBO 7/1 & 5/1 FIXED ARM
30/7

 
30/5

5.125%
(1.00)
 
5.00%
(1.00)
5.25%
(0.50)
 
5.125%
(0.50)
5.375%
(0.00)
 
5.25%
(0.00)
CONFORMING INTERST ONLY FIXED ARM
7/1

 
5/1

5.00%
(1.00)
 
5.00%
(1.00)
5.125%
(0.50)
 
5.125%
(0.50)
5.25%
(0.00)
 
5.25%
(0.00)
 
JUMBO INTEREST ONLY FIXED ARM
7/1
  5/1
5.25%
 (1.00)   5.125%
 (1.00)
5.375%
 (0.50)   5.25%
 (0.50)
5.50%
 (0.00)   5.375%
 (0.00)
6 MO
LIBOR
  
Loan
Products
2nd
to None
5.50%
(1.00)
  
5.625%
(.075)
  
5.75%
(0.00)
  

6 MO

LIBOR

  

949. 363.9750
telephone

949. 495.4556
fax
5.50% (1.00)  
5.625% (.075)  
5.75% (0.00)  
 NO COST LOANS
190,000/417,000 Loan Amounts 5.375% 30/30 
417,100/450,000 Loan Amounts 5.75% 30/30 
450,000 and up Loan Amounts 5.625% 30/30