TERMS AND CONDITIONS  NO CLOSING COST OPTION Properties must be owner ocupied or second home.  Minimum FICO score requirement is 680 on all loans. Available on all conforming and jumbo home loans to $5,000,000. No closing cost option will increase Borrowers Interest Rate and APR. Title insurance and lender fees may be credited to Borrower in escrow. Appraisal fees must be paid up front by the Borrower and refunded at closing. NOTE:Taxes, interest and insurance are the responsibility of the Borrower. This includes but not limited to; property taxes, hazard insurance, flood insurance, earthquake insurance, hurricane insurance, pre-paid interest and accrued interest.      WEBSITE RATES 30 Year Fixed - 30 Year Fixed APR is based on a loan amount of $417,000, 1st trust deed for 360 months. 5/1 ARM - 5/1 ARM APR is based on a loan amount of $417,000, 1st trust deed for 360 months. Interest only payments are for the first 10 years. Interest rate caps are 5/2/5. Interest rate will change after 60 months and will be determined by a margin of 2.25+ the 1 year libor index. BANNER and NEWSPAPER ADS 30 Year Fixed - 30 Year Fixed APR is based on a loan amount of $417,000, 1st trust deed for 360 months. 5/1 ARM - 5/1 ARM APR is based on a loan amount of $417,000, 1st trust deed for 360 months. Interest only payments are for the first 10 years. Interest rate caps are 5/2/5. Interest rate will change after 60 months and will be determined by a margin of 2.25% + the 1 year libor.             California Department of Real Estate, 800refi.com,Inc. License # 01526205 LOAN PURPOSE: Refinance New Purchase Home Equity LOAN AMOUNT: 0 $1-$10,000 $10,001-$20,000 $20,001-$30,000 $30,001-$40,000 $40,001-$50,000 $50,001-$60,000 $60,001-$70,000 $70,001-$80,000 $80,001-$90,000 $90,001-$100,000 $100,001-$110,000 $110,001-$120,000 $120,001-$130,000 $130,001-$140,000 $140,001-$150,000 $150,001-$160,000 $160,001-$170,000 $170,001-$180,000 $180,001-$190,000 $190,001-$200,000 $200,001-$210,000 $210,001-$220,000 $220,001-$230,000 $230,001-$240,000 $240,001-$250,000 $250,001-$260,000 $260,001-$270,000 $270,001-$280,000 $280,001-$290,000 $290,001-$300,000 $300,001-$310,000 $310,001-$320,000 $320,001-$330,000 $330,001-$340,000 $340,001-$350,000 $350,001-$360,000 $360,001-$370,000 $370,001-$380,000 $380,001-$390,000 $390,001-$400,000 $400,001-$420,000 $420,001-$440,000 $440,001-$460,000 $460,001-$480,000 $480,001-$500,000 $500,001-$520,000 $520,001-$540,000 $540,001-$560,000 $560,001-$580,000 $580,001-$600,000 $600,001-$620,000 $620,001-$640,000 $640,001-$660,000 $660,001-$680,000 $680,001-$700,000 $700,001-$720,000 $720,001-$740,000 $740,001-$760,000 $760,001-$780,000 $780,001-$800,000 $800,001-$820,000 $820,001-$840,000 $840,001-$860,000 $860,001-$880,000 $880,001-$900,000 $900,001-$920,000 $920,001-$940,000 $940,001-$960,000 $960,001-$980,000 $980,001-$1,000,000 $1,000,000+ $1,500,000+ $2,000,000+ PURCHASE AMOUNT: 0 $1-$10,000 $10,001-$20,000 $20,001-$30,000 $30,001-$40,000 $40,001-$50,000 $50,001-$60,000 $60,001-$70,000 $70,001-$80,000 $80,001-$90,000 $90,001-$100,000 $100,001-$110,000 $110,001-$120,000 $120,001-$130,000 $130,001-$140,000 $140,001-$150,000 $150,001-$160,000 $160,001-$170,000 $170,001-$180,000 $180,001-$190,000 $190,001-$200,000 $200,001-$210,000 $210,001-$220,000 $220,001-$230,000 $230,001-$240,000 $240,001-$250,000 $250,001-$260,000 $260,001-$270,000 $270,001-$280,000 $280,001-$290,000 $290,001-$300,000 $300,001-$310,000 $310,001-$320,000 $320,001-$330,000 $330,001-$340,000 $340,001-$350,000 $350,001-$360,000 $360,001-$370,000 $370,001-$380,000 $380,001-$390,000 $390,001-$400,000 $400,001-$420,000 $420,001-$440,000 $440,001-$460,000 $460,001-$480,000 $480,001-$500,000 $500,001-$520,000 $520,001-$540,000 $540,001-$560,000 $560,001-$580,000 $580,001-$600,000 $600,001-$620,000 $620,001-$640,000 $640,001-$660,000 $660,001-$680,000 $680,001-$700,000 $700,001-$720,000 $720,001-$740,000 $740,001-$760,000 $760,001-$780,000 $780,001-$800,000 $800,001-$820,000 $820,001-$840,000 $840,001-$860,000 $860,001-$880,000 $880,001-$900,000 $900,001-$920,000 $920,001-$940,000 $940,001-$960,000 $960,001-$980,000 $980,001-$1,000,000 $1,000,000+ $1,500,000+ $2,000,000+ HOME VALUE: 0 $1-$10,000 $10,001-$20,000 $20,001-$30,000 $30,001-$40,000 $40,001-$50,000 $50,001-$60,000 $60,001-$70,000 $70,001-$80,000 $80,001-$90,000 $90,001-$100,000 $100,001-$110,000 $110,001-$120,000 $120,001-$130,000 $130,001-$140,000 $140,001-$150,000 $150,001-$160,000 $160,001-$170,000 $170,001-$180,000 $180,001-$190,000 $190,001-$200,000 $200,001-$210,000 $210,001-$220,000 $220,001-$230,000 $230,001-$240,000 $240,001-$250,000 $250,001-$260,000 $260,001-$270,000 $270,001-$280,000 $280,001-$290,000 $290,001-$300,000 $300,001-$310,000 $310,001-$320,000 $320,001-$330,000 $330,001-$340,000 $340,001-$350,000 $350,001-$360,000 $360,001-$370,000 $370,001-$380,000 $380,001-$390,000 $390,001-$400,000 $400,001-$420,000 $420,001-$440,000 $440,001-$460,000 $460,001-$480,000 $480,001-$500,000 $500,001-$520,000 $520,001-$540,000 $540,001-$560,000 $560,001-$580,000 $580,001-$600,000 $600,001-$620,000 $620,001-$640,000 $640,001-$660,000 $660,001-$680,000 $680,001-$700,000 $700,001-$720,000 $720,001-$740,000 $740,001-$760,000 $760,001-$780,000 $780,001-$800,000 $800,001-$820,000 $820,001-$840,000 $840,001-$860,000 $860,001-$880,000 $880,001-$900,000 $900,001-$920,000 $920,001-$940,000 $940,001-$960,000 $960,001-$980,000 $980,001-$1,000,000 $1,000,000+ $1,500,000+ $2,000,000+ STATE: Select State ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA COLORADO CONNECTICUT DELAWARE FLORIDA GEORGIA HAWAII IDAHO ILLINOIS INDIANA IOWA KANSAS KENTUCKY LOUISIANA MAINE MARYLAND MASSACHUSETTS MICHIGAN MINNESOTA MISSISSIPPI MISSOURI MONTANA NEBRASKA NEVADA NEW JERSEY NEW MEXICO NEW YORK NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT VIRGINIA WASHINGTON WASHINGTON, D.C. WEST VIRGINIA WISCONSIN WYOMING Rate APR  30 Year Fixed 6.125% 6.205%  5/1 ARM 5.500% 5.727% Last Updated: August 19, 2008 LOAN AMOUNT RATE LOAN PERIOD (YRS) Apply for a loan.  |  Calculate Again?

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