DATE: 03/20/2008

****!!! ALL QUOTES ARE 30 DAY LOCKS!!!****

CONFORMING LOANS TO $417,000 AND SUBJECT TO CHANGE WITHOUT NOTICE

CONFORMING CONVENTIONAL

	RATE	POINTS	FEATURES
30 YEAR FIXED	5.500	0+1	LOW! CLOSING $$$
	5.750	0+0	LOW COST REFI'S!
15 YEAR FIXED	4.750	0+1
	5.00	0 + 0	FOR PURCHASE OVER $100K - refi add 1/8% -

ARM'S-ADJUSTABLE RATE MORTAGAGES

	RATES	POINTS	MARGIN	CAPS
1 YEAR ARM	5.000	0+1	2.750%	2/6
3/1 ARM	5.125	0+1	2.250	2/6
5/1 ARM	5.250	0+1	2.250	2/5
*LIBOR*	5.000	0+1	2.250%	10.00

V.A.

	RATE	POINTS	FEATURES
30 YEAR FIXED	5.750	0+1	!!FAST APPROVAL!!
	6.00	0+0	NO PRE-QUAL-COST
15 YEAR FIXED	5.250	0+1	SMART UNDERWRITING

SPECIALTY PROGRAMS

TRUE NO-DOC

	RATE	POINTS	FEATURES
30 YEAR FIXED	6.000	0+1	**no income check**
1/1 ARM	6.500	0+1	"STATED INCOME" AVAILABLE

30 YEAR FIXED INVESTOR LOANS

	RATE	POINT	FEATURES
30% DOWN	6.000	0+1
20% DOWN	6.125	0+1	PROP/LENDING
10%DOWN*	6.250	0+1	EZ DOC & NO-DOC
			C*SFR ONLY/CALL FOR 2/4 FAMILY

JUMBO'S

	RATE	POINTS	FEATURES
30 YEAR FIXED	6.500	0+1	JUMBO ARMS/NO-DOC AVAILABLE
15 YEAR FIXED	6.000	0+1