Mortgage Term         Rate            APR             Points

15 Year Fixed               5.875%       6.019%             0

5/1 ARM                       5.875%       6.194%             0

7/1 ARM                       6.125%       6.227%             0

  ___________________________________________

Rates are based on a $200,000.00 loan amount. Rates may vary depending on loan size.                Rates quoted are for borrowers with credit scores of 720 or higher. Rates may vary for borrowers with lower credit scores.                                           *The APR is calculated assuming a 20% down payment. Your actual rate and APR will depend on your situation.                                                Rates quoted are for properties in Illinois. Rates are not  for cash-out refinances with a LTV 70% or above. Rates quoted are for mortgages with escrow accounts.                                                      Please contact us for additional programs and rates.                                                                   Rates are subject to change without notice at any time. Adjustable Rate Mortgages have an initial fixed rate period after which the rate can adjust on market conditions.  ARM rates are good on loan amounts up to $500,000.

Rates Effective            as of 09/26/2008

Ask about VA & our other programs and rates!