Information provided by ShopRate.com. ShopRate.com is not responsible for any errors, omissions or misprints in regards to the information provided. Conforming rate is based on a $125,000 loan, Jumbo based on a $420,000 loan (unless county or state regulations require a higher minimum Jumbo rate). APR calculations are based upon a 20% downpayment - all applicable loan fees included. Loan amount may affect interest rate. Contact lenders directly for additional fees & services. Borrowers should compare the specifics of various loan arrangements. dwn=% down. Rates may change without notice and are not guaranteed. Points are inclusive of discount and originations fees. The interest rates are available with a 20% down payment with no PMI or equity of at least 20% for refinances. Repayment of 30-year loan calls for 360 monthly payments. Repayment of 15-year loan calls for 180 monthly payments. The initial nominal rates shown for all ARM_s are discounted rates and the rate may increase after consummation. Loan amounts affect rates.

Shoprate.com requires that all lenders that are quoting rates for publication on Shoprate.com are quoting on a Òlevel playing fieldÓ. Despite what the lender may choose to quote to an inquiring consumer, the Shoprate.com considers a valid rate quote as one where the lender is:

- Making at least one-half (.5) of one point back from their investor for Conforming loans, and

- Making at least three-eighths (.375) of one point back from their investor for Jumbo loans.

The quality-control policies enable Shoprate.com to request verification of any rate quote at anytime, and to withhold the publishing of any and all quotes from that lender until the quote is either verified or revised. All documentation submitted to verify a quote(s) must be clear and complete, and must include a date for which rates are valid. All documentation will remain confidential and serve to only to verify quote(s) in question.

Additional Requirements:

1. Special criteria of a loan (e.g. a Buydown or a loan with a Pre-Payment Penalty) will not be substituted or listed under a different program heading.

2. Quotes must be inclusive of origination, discount, brokerage, and any other substantial fees unless otherwise noted. Refer to the bottom of your Shoprate.com rate sheet for requirements. Miscellaneous fees (doc. prep., appraisal fees, credit report, etc.) should not be excessive.

3. Any incremental fees charged to the consumer in order to lower the rate must be included in your quote.

4. Rates must be based on a minimum lock in period of 30 days.

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