42 North 200 East #3
American Fork, Utah  84003
phone 877-311-3556 fax 801-756-1886
 December 28, 2005    
 
30 Year Fixed 6.250 6.30 6.375 6.42
Pay Option ARM Interest Only 1.0 % start rate 5.500 5.56
15 Year Fixed 6.000 6.08 6.125 6.21
5/1 ARM 6.000 6.04 6.125 6.17
5/1 Interst Only 6.125 6.17 6.250 6.29
 

Rates subject to change without notice. Rate is not guaranteed until lock is confirmed by Freehomeloan.com APRs are based on a loan amount of $400,000, 20 % down, for the term specified. Rates increase slightly for loan amounts over $1,000,000. $1200 in lender fees for loans up to $1,000,000. No lender fees for loans over $1,000,000. CA Dept. of Real Estate--Real Estate Broker License number 01482425.