Rates as of 1/28/2003

	Rate	Points	A.P.R.	Days Lock
30 Yr Fixed Rate Conforming	6.000%	0	6.054%	60
30 Yr Fixed Rate Conforming	5.750%	1	5.897%	60
15 Yr Fixed Rate Conforming	5.500%	0	5.589%	60
15 Yr Fixed Rate Conforming	5.250%	1	5.493%	60
30 Yr Fixed Rate Jumbo	6.500%	0	6.514%	60
5/1 yr ARM - Conforming	4.750%	0.5	4.446%	60
FHA Government	6.000%	0	6.562%	60

80% LTV, $100,000 loan