|  | | For 01/08/2009 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 4.625% | 4.783% | $771.21 | | 15 Year (fixed) | 4.125% | 4.455% | $1118.95 | | 3/1 Arm* | 5.000% | 4.680% | $805.23 | | | | FHA | 0.000% | 0.000% | $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 | | |  | |