Fixed Rate
30 Year Fixed Rate
 Rate  APR  Points
 3.875%  3.979%  0.875%
 4.000%  4.053%  0.250%
 4.125%  4.157%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.415%  0.750%
 3.375%  3.485%  0.375%
 3.500%  3.556%  0.000%