Rate Sheet

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Current posted rates are in effect as of 01/27/2008 4:40:11 PM Central Time.
Rates are subject to change without notice.

15 year fixed ($417,000 conforming loan limits)
Rate	Points	APR	Lock Days
5.250%	0.000%	5.297%	30
0.000%	0.000%	0.000%	0
The APR is calculated using a loan amount of $417,000 and these typical fees.

30 Year Fixed ($417,000 conforming loan limit)
Rate	Points	APR	Lock Days
5.625%	0.000%	5.653%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

30 year fixed jumbo (to $1,000,000.00)
Rate	Points	APR	Lock Days
6.000%	0.000%	6.013%	30
The APR is calculated using a loan amount of $1,000,000 and these typical fees.

15 year fixed rate jumbo
Rate	Points	APR	Lock Days
5.500%	0.000%	5.521%	30
The APR is calculated using a loan amount of $1,000,000 and these typical fees.

30 year fixed interest only
Rate	Points	APR	Lock Days
5.750%	0.000%	5.779%	30
The APR is calculated using a loan amount of $417,000 and these typical fees.

30 year fixed interest only
Rate	Points	APR	Lock Days
6.000%	0.000%	6.013%	30
The APR is calculated using a loan amount of $1,000,000 and these typical fees.

5-1 arm interest only
Rate	Points	APR	Lock Days
5.500%	0.000%	5.156%	30
The APR is calculated using a loan amount of $1,000,000 and these typical fees.

914-232-3292
914232-2335(fax)
135 Bedford Rd.
Katonah, NY 10536

203-431-2600
203-431-6900(fax)
13 Grove St.
Ridgefield, Ct 06877