|  | | For 07/16/2009 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 5.250% | 5.409% | $828.31 | | 15 Year (fixed) | 4.625% | 4.912% | $1157.1 | | 3/1 Arm* | 4.750% | 4.334% | $782.47 | | | | FHA | 0.00000% | 0.00000% | $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. | |  |  | | | | OR | | | |