|  |  | | | OR | | |  | | For 11/18/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 5.875% | 6.057% | $887.31 | | 15 Year (fixed) | 5.500% | 5.783% | $1225.63 | | 3/1 Arm* | 6.125% | 6.298% | $911.42 | | | | FHA | 0.000% | 0.000% | $ | 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. | |