15 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.565%  0.000%
 4.250%  4.464%  1.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.500%  4.500%  0.000%
30 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.060%  0.250%
20 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.831%  0.250%