Daily Rates

Rates good only on this date 3/31/2008 Rates are subject to change without notice

Product	Interest Rate	APR	Total Points
Conforming - loan amount less than or equal to $322,700
30-Year Fixed	5.750%	5.973%	1
15-Year Fixed	5.125%	5.494%	1
5-Year ARM	5.750%	5.346%	1
Jumbo - loan amount greater than $322,700
30-Year Fixed	7.375%	7.535%	1
15-Year Fixed	6.375%	6.623%	1

(There is more to a loan than rates and points.)

Interest rates are based on a 30-day rate lock and assume property is a single-family primary residence. For adjustable rate products, non-conforming products including 100% loans, stated income, no-document and investor loans, contact us for a custom rate quote. A refinance assumes 80% or less loan to value (LTV) ratio.

The above rate assumes a 20.0% down payment on a loan amount of $145,000 with a 30-year term. The principal and interest payment for this example would be $811.96. The results above assume total points of 1% plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20.0%, mortgage insurance may be needed which could increase the payment and APR. Normal underwriting guidelines apply.

The above rate assumes a 20.0% down payment on a loan amount of $145,000 with a 15-year term. The principal and interest payment for this example would be $1,127.86. The results above assume total points of 1% plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20.0%, mortgage insurance may be needed which could increase the payment and APR. Normal underwriting guidelines apply.

The above rate assumes a 20.0% down payment on a loan amount of $145,000 with a 30-year term. The principal and interest payment for this example would be $692.26 for the first five years and a maximum payment of $1,166.71 in the sixth year. The results above assume total points of 1% plus an estimated $1,000 in additional prepaid finance charges. If the down payment is less than 20.0%, mortgage insurance may be needed which could increase the payment and APR. Normal underwriting guidelines apply.

The above rate assumes a 20.0% down payment on a loan amount of $340,000 with a 30-year term. The principal and interest payment for this example would be $1,957.24. The results above assume total points of 1% plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20.0%, mortgage insurance may be needed which could increase the payment and APR. Normal underwriting guidelines apply.

The above rate assumes a 20.0% down payment on a loan amount of $340,000 with a 15-year term. The principal and interest payment for this example would be $21666.62. The results above assume total points of 1% plus an estimated $1,500 in additional prepaid finance charges. If the down payment is less than 20.0%, mortgage insurance may be needed which could increase the payment and APR. Normal underwriting guidelines apply.

Due to various federal, state and local requirements, certain products may not be available in all areas. Other restrictions may apply. Funding Mortgage Ltd. is a IL, IN, MI and NY residential mortgage licensee.

Closing costs are not included in the Annual Percentage Rate (APR). The total points and additional prepaid finance charges are included in the APR. For adjustable-rate transactions, rates are subject to increase over life of loan.