|  | | For 07/24/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 6.375% | 6.551% | $ 936 | | 15 Year (fixed) | 5.875% | 6.142% | $ 1,256 | | 3/1 Arm* | 6.125% | 5.908% | $ 911 | 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. |  | | | OR | | |  | | For 07/24/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 6.375% | 6.551% | $ 936 | | 15 Year (fixed) | 5.875% | 6.142% | $ 1,256 | | 3/1 Arm* | 6.125% | 5.908% | $ 911 | 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. | |