As of Tuesday, February 23, 2010 CONFORMING FIXED RATE TO $417,000     JUMBO FIXED RATE TO $650,000 30 YEAR FIXED 30 YEAR FIXED RATE POINTS APR RATE POINTS APR 4.875 1.000 4.990 6.000 1.000 6.112 5.000 0.000 5.026 6.625 0.000 6.644 15 YEAR FIXED 15 YEAR FIXED RATE POINTS APR RATE POINTS APR 4.250 1.000 4.445 5.750 1.000 5.937 4.375 0.000 4.420 6.375 0.000 6.405   CONFORMING ARMS TO $417,000 JUMBO ARMS TO $650,000 3/1 ARM-LIBOR 5/1 ARM-LIBOR 3/1 ARM-LIBOR 5/1 ARM-LIBOR MARGIN 2.250 MARGIN 2.250 MARGIN 2.250 MARGIN 2.250 LIFE CAP 2/2/6 CAPS 5/2/5 CAPS 2/2/6 CAPS 5/2/5 RATE POINTS APR RATE POINTS APR RATE POINTS APR RATE POINTS APR 3.625 1.000 3.340 3.500 1.000 3.360 4.750 1.000 3.587 4.875 1.000 3.852 3.875 0.000 3.315 3.750 0.000 3.368 5.625 .125 3.752 5.625 0.000 4.047   FHA/VA FIXED RATE PORTFOLIO FHA/VA - OWNER OCCUPIED ONLY FIXED/ADJUSTABLE PROGRAMS 15 YEAR FIXED 30 YEAR FIXED FOR HARD TO QUALIFY BUYERS & PROPERTIES RATE POINTS APR RATE POINTS APR CALL FOR QUOTE CALL FOR QUOTE CALL FOR QUOTE   REAL ESTATE DIRECT LENDER & BROKER—CALIFORNIA DEPT. OF REAL ESTATE RATES AND ELIGIBILITY GUIDELINES ARE SUBJECT TO CHANGE WITHOUT NOTICE

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