Rates as of May 25, 2013 at 10:03 a.m.

                         30 year fixed                               15 year Fixed

Conventional*                Simple Interst     A. P. R.             Simple Interest        A.P.R.

                                              Rate                                                Rate

$175,000 to $417,000           3.750%          4.481- 4.440             2.875%       3.511- 3.442

$100,000 to $174,999           3.875%          4.667- 4.613             2.875%       3.600- 3.511

$ 75,000  to  $99,999            4.000%          4.847- 4.804             3.000%       3.797- 3.727

$ 74,999 and under                            please call for available rates

FHA**-96.5% LTV                 3.250%              4.157                 2.750%                3.246

VA**--100% LTV                   3.250%              3.527                 2.750%                3.422

RD**---100% LTV                  3.250%              3.544                    na                      na

All rates are subject to change.  All rates quoted are for PURCHASE LOANS ONLY  with 1% origination

*Conventional rates are based on a loan with a credit score of 700 at a 95% loan-to-value.

**FHA, VA, and RD rates are based on a purchase price of $120,000 with a credit score of 700 at maximum LTV.

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