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Mortgage Rates
***This Information is provided to assist real estate professionals ***and is not an advertisement to extend credit as defined by *** section 226.2 of Regulation Z
Effective Date: 5/12/2008

FHA/VA 30 Year		45 Day Lock-In
Rate	Discount	Origination	Quotes Based on $80,000 Loan Amount
5.875%	0.000	0.000		$60,000 to $80,000 - Add	0.50
5.750%	0.000	0.375		$40,000 to $60,000 - Add	1.00

Maximum FHA Loan $271,050 (base) VA Loans Add 0.25 to Discount

FHA/VA 15 Year		45 Day Lock-In
Rate	Discount	Origination	Quotes Based on $80,000 Loan Amount
6.000%	0.000	0.000		$60,000 to $80,000 - Add	0.50
5.500%	0.000	0.625		$40,000 to $60,000 - Add	1.00

Max. FHA Loan $271,050 (base) VA Loans Add 0.25 to Discount

Conventional 30 Year		45 Day Lock-In		Add 0.25 to Discount
				for Non-Escrow Waiver
Rate	Discount	Origination		$70,000 to $100,000 - Add	0.25
6.000%	0.000	0.000		$60,000 to $70,000 - Add	0.50
5.875%	0.000	0.625		$50,000 to $60,000 - Add	0.75

Conventional 30 & 15 year quotes based on $100,000 Conventional Loans to $417,000

Conventional 10/15 Year		45 Day Lock-In		Add 0.25 to Discount
				for Non-Escrow Waiver
Rate	Discount	Origination		$70,000 to $100,000 - Add	0.25
5.625%	0.000	0.000		$60,000 to $70,000 - Add	0.50
5.500%	0.000	0.250		$50,000 to $60,000 - Add	0.75
5.375%	0.000	0.625		$40,000 to $50,000 - Add	2.00

Conventional 30 & 15 year quotes based on $100,000 Conventional Loans to $417,000

All Rates and Terms are Subject to Change Without Notice

Copyright © 2005, Happy State Bank.

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