The following Mortgage terms are available on rate commitments of 120 days or less.

These rates are effective FEB02,2012, CAN BE CHANGE WITHOUT NOTICE

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Conventional & NHA Mortgages		Rate
Variable - 5 Yrs	Prime - -.10 bps	2.900%
Six Months Convertible		2.69%
1 Year Open		prime +.80.00 APR
1 Year		2.99% APR
2 Year		2.99 % APR
3 Year		2.79 % APR
4 Year		2.99 % APR
5 Year		3.29 % 30 days closing
7 Year		N/A
10 Year		N/A