|  |  | | | OR | | |  | | For 07/05/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 6.375% | 6.538% | $ 936 | | 15 Year (fixed) | 5.750% | 6.075% | $ 1,246 | | 3/1 Arm* | 5.500% | 5.761% | $ 852 | 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. | |