Mortgage Rates*

Effective January 25, 2012 Rates subject to change at any time without prior notice. APR=Annual Percentage Rate   Info and/or Terms RATE: 4.125%  RATE: 3.875% 30 YEAR FIXED RATE WITH 0 POINTS (APR 4.228%) 30 YEAR FIXED RATE WITH 1 POINT (APR 4.057%) RATE: 3.875% RATE: 3.750% 20 YEAR FIXED RATE WITH 0 POINTS (APR 4.014%) 20 YEAR FIXED RATE WITH 1 POINT (APR 4.006%) RATE: 3.50% RATE: 3.25% 15 YEAR FIXED RATE WITH 0 POINTS (APR 3.626%) 15 YEAR FIXED RATE WITH 1 POINT (APR 3.521%)