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The following are the rates as of  7:00AM PCT Oct 27, 2008. Rates are
subject to change without notice (The rates are for California only).


Conforming(<=417k)                             Super-Conforming(>417k & <=729,750)
30Yr. Fixed 6.250%                              30Yr. Fixed 6.375%(CLTV<=75%)
15Yr. Fixed 6.000%                              15Yr. Fixed 6.000%(CLTV<=75%)
7/1 ARM 6.125%
5/1 ARM 5.875%                                  5/1 ARM 5.875%
3/1 ARM 5.875%

Jumbo(>417k & <= 1.5 Million)
7/1 ARM 6.125%
5/1 ARM 5.875%
3/1 ARM 5.500%(CLTV<=75%)



Contact us for no points no fees programs (No Closing Cost at all,
the rate will be lower if you pay the closing cost and/or points), certain
loan amount and credit scores required, the rate may be higher for some
counties for purchase: