Conventional 30 Yr Fixed - FHLB  Rate  APR  Points  7.125%  7.250%  0.000% 30 Yr Fixed - Freddie  Rate  APR  Points  6.875%  7.071%  0.000% 15 Yr Fixed - FHLB  Rate  APR  Points  6.000%  6.194%  0.000% 15 Yr Fixed - Freddie  Rate  APR  Points  6.375%  6.547%  0.000% 7 Year Fixed Rate, *(ARM) 30 Year Term  Rate  APR  Points  7.375%  7.664%  0.000% 5 Year Fixed Rate, *(ARM) 30 Year Term  Rate  APR  Points  7.250%  7.672%  0.000% 3 Year Fixed Rate, *(ARM) 30 Year Term  Rate  APR  Points  7.125%  7.727%  0.000% Rural Development USDA 30 Year Fixed Rate  Rate  APR  Points  7.125%  8.171%  4.000%