30-Year Fixed Rate
 Rate  APR  Points
 4.500%  4.586%  1.000%
20-Year Fixed Rate
 Rate  APR  Points
 4.250%  4.367%  1.000%
15-Year Fixed Rate
 Rate  APR  Points
 4.000%  4.148%  1.000%
10-Year Fixed Rate
 Rate  APR  Points
 3.750%  3.962%  1.000%
10-Year Adjustable Rate
 Rate  APR  Points
 4.000%  4.271%  1.000%