Program	Rate	Points	APR
30 Year Fixed	3.625%	0.625	3.761%
20 Year Fixed	3.500%	0.750	3.704%
15 Year Fixed	3.000%	0.625	3.241%
10 Year Fixed	3.000%	0.500	3.324%
7/1 Year ARM	3.625%	0.750	4.502%