Program	Rate	Points	APR
30 Year Fixed	4.000%	0.750	4.150%
20 Year Fixed	4.000%	0.875	4.222%
15 Year Fixed	3.375%	0.875	3.655%
10 Year Fixed	3.375%	1.125	3.836%
7/1 Year ARM	4.000%	1.250	4.723%