MORTGAGE RATES September 2 , 2008	INTEREST RATE	ANNUAL PERCENTAGE RATE (APR)	POINTS	PAYMENT PER $1,000
CONVENTIONAL MORTGAGE
30 Year Term Fixed Rate	5.990% 6.250% 6.500%	6.185% 6.351% 6.506%	2.000 1.000 -0-	$5.989 $6.157 $6.320
15 Year Term Fixed Rate	5.500% 5.750% 5.990%	5.822% 5.916% 5.999%	2.000 1.000 -0-	$8.170 $8.304 $8.433

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

                                            FIRST TIME HOMEBUYER Take .25 off rates - Ask for details

                                                 40 YEAR MORTGAGE TERM - Add .50 to 30 year rates

                                                          JUMBO LOANS AT CONVENTIONAL RATES

                                                           BEST RATE IN PROCESS - Ask for details

Add .125% to the rate and 1.50 to the points for Investment.

APR's are based on a $100,000.00 loan amount with a 20% down payment.

Ten Year Rate deduct .125 off 15 Year rates

Twenty Year Rate deduct .125 off 30 Year rates