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Current Interest Rates
Annual Percentage Rate
(As of 04-18-07)


 Fixed Rates                                   Approximate Closing Costs:  $1650

 No Points, No Origination Fees

                                 40 year       30, 25, 20 year       15, 10 year
Conventional                                                      6.0%                           5.625%
100% KHC/ RHS/ VA      n/a                         6.5%                             n/a
In Select Counties               n/a                         5.5%                             n/a
  

 Fixed Rates                                    based on $150,000 loan amount 

 No Closing Costs                                                
                                                       30, 25, 20 year        15, 10 year

Conventional                                                     6.5%                               5.375%
             

 Fixed Rates                                    2 Points = 2% of the loan amount

 2 Points                                              
                                                   30, 25, 20 year

100% KHC/ RHS/ VA                                 6.5%
In Select Counties                                         5.5%

Adjustable Rates                         Approximate Closing Costs:  $1650
No Points, No Origination Fees                            

                                                      30 year  

3-year adjustable                                            6.0%
7-year adjustable                                            6.375%
 
 Home Equity Rates                   Prime Rate:  5.25%    
 No Closing Costs               

                                                5-30 year 

Home Equity Lines                         as low as Prime Rate Adjustable

Rates subject to change without notice.  Loans are subject to approval for all applicants.