30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.350%  0.750%
Home Equity Line of Credit
 Rate  APR  Points
 4.250%  4.250%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.137%  0.750%
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.584%  1.000%