Effective: Page 1 of 2
ARM * +.30
Margin Loans $450-$900K LTV < 80.00% (not HELOCs) +.00
70% 5.55 5.75 6.10 2.25 6.75 6.80 6.85 70% 9.25 9.40 Loans $450-$900K LTV > 80.01% (not HELOCs) +.25
75% 5.65 5.85 6.20 2.30 6.80 6.85 6.90 75% 9.35 9.50 Condos, 2-flats, Rowhomes (Loans, not HELOCs) +.25
80% 5.75 5.95 6.30 2.45 6.85 6.90 6.95 80% 9.45 9.60 Manufactured Homes +.25
85% 6.00 6.15 6.50 2.65 7.05 7.10 7.15 85% 9.60 9.75 No Lender Fee Helocs (Not available in S.C.) +.25
90% 6.20 6.40 6.75 2.90 7.20 7.25 7.30 90% -- --
70% 5.75 5.95 6.30 2.45 6.95 7.00 7.05 70% 9.45 9.60
75% 5.85 6.05 6.40 2.50 7.00 7.05 7.10 75% 9.55 9.70
80% 5.95 6.15 6.50 2.65 7.05 7.10 7.15 80% 9.65 9.80
85% 6.20 6.35 6.70 2.85 7.25 7.30 7.35 85% 9.85 10.00 .25 .10 1.25 .50
90% 6.40 6.60 6.95 3.10 7.40 7.45 7.50 90%50 .20 1.50 .60
70% 5.90 6.10 6.45 2.55 7.05 7.10 7.15 70% 9.60 9.75 .75 .30 1.75 .70
75% 6.05 6.25 6.60 2.60 7.15 7.20 7.25 75% 9.70 9.85 1.00 .40 2.00 .80
80% 6.20 6.40 6.75 2.75 7.25 7.30 7.35 80% 9.80 9.95
85% 6.40 6.60 6.95 2.95 7.40 7.45 7.50 85% 10.00 10.15
90% 6.60 6.80 7.15 3.20 7.55 7.60 7.65 90% -- --
70% 6.35 6.60 6.90 3.35 7.40 7.45 7.50 70% 9.95 10.10
75% 6.50 6.75 7.05 3.40 7.50 7.55 7.60 75% 10.05 10.20
80% 6.70 6.95 7.25 3.90 7.75 7.80 7.85 80% 10.15 10.30
85% 6.95 7.20 7.50 4.45 8.00 8.05 8.10 85% 10.40 10.55
90% 7.15 7.40 7.70 4.65 8.20 8.25 8.30 90% -- --
~ Caps = 2/2/6 (1/1 & 3/1); 5/2/6 (5/1); 2/2/6 means a 2 pt max chg at first
adj; 2 pts max chg each subsequent; and max 6 pt inc over 30-yr term.
~ Buy Ups (YSP) + Buy Downs avail. - applies to initial rate, not margin!
~ Rates are subject to change only once a year.
~ ARMs are not convertible.
~ 680+ Score Required for Primary Wage Earner (650+ for Secondary)
~ Not available for First Time Home Buyers
~ No Manufactured Homes
~ Qualify at fully indexed rate of 1 Year Libor + margin. Start rate will be

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