Mortgage Rates Rates Effective as of November 20, 2008   Click here for a custom rate quote. Click here to subscribe to our Rate Tracker service   Thirty Year, Twenty Five Year, & Twenty Year Fixed Rate Product Current Rate  Annual Percentage Rate Points 30, 25, & 20 Year Fixed Rate  6.000%  6.011%  0     5.625%  5.727%  1     5.375%  5.568%  2    Fifteen Year Fixed Rate Product Current Rate  Annual Percentage Rate Points 15 Year Fixed Rate  5.875%  5.893%  0     5.250%  5.421%  1     5.000%  5.325%  2        ARM Rates Rates Effective as of November 20, 2008     Adjustable Rate Mortgages Product Margin   Caps Current Rate APR   Points 3/1 Year ARM  2.00%  2/6   5.250%  5.260%  0  3/1 Year Arm  2.00%  2/6   5.125%  5.224%  1  3/3 Year ARM  2.50%  2/6   5.000%  5.010%  0  5/1 Year ARM  2.00%  2/5   5.375%  5.385%  0  5/1 Year ARM  2.00%  2/5   5.250%  5.350%  1  7/1 Year ARM  2.00%  2/5   5.750%  5.761%  0  7/1 Year ARM  2.00%  2/5   5.625%  5.727%  1    HLPR Mortgage Product Margin   Caps Current Rate APR   Points 3/1 Year ARM  2.75%  1/5   5.000%  5.766%  0        * Rate locks are for 30 days. Rate locks in excess of 30 days are available. * Mortgages with loan-to-values greater than 70% may require a point adjustment of .50% to .75%. * All APR's (Annual Percentage Rates) are based on $100,000 borrowed, and assumes 20% equity. * Call the Loan Operations Department for eligibility of programs, and other financing requirements & restrictions. * For Jumbo Mortgage rates, please call us at 800.852.5886.