Interest rates Effective 2/1/2005 The rates listed below represent the lowest rates currently available. The actual rates available to you will vary based on a number of factors. Please note that these rates are only available to qualified applicants and assume excellent credit. Rates and terms are subject to change or cancellation. Please call for further details or Apply online. Program Rate APR Points Monthly Payment Per $100,000 Conforming 15 Yr Fixed 5.250% 5.451%1 0.000% $803.88 Conforming 30 Yr Fixed 5.750% 5.873%2 0.000% $583.57 Jumbo 15 Yr Fixed 5.750% 5.991%3 0.000% $830.41 Jumbo 30 Yr Fixed 6.250% 6.400%4 0.000% $615.72 1Conforming 15 Yr Fixed - The Annual Percentage Rate (APR) is based a loan amount of $100,000.00 with $1,086.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 20% on an owner occupied single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $322,700.00 for a single family dwelling. 2Conforming 30 Yr Fixed - The Annual Percentage Rate (APR) is based a loan amount of $100,000.00 with $1,086.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 20% on an owner occupied single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $322,700.00 for a single family dwelling. 3Jumbo 15 Yr Fixed - The Annual Percentage Rate (APR) is based a loan amount of $500,000.00 with $1,086.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 33% on an owner occupied single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $650,000.00 for a single family dwelling. 4Jumbo 30 Yr Fixed - The Annual Percentage Rate (APR) is based a loan amount of $500,000.00 with $1,086.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 33% on an owner occupied single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $650,000.00 for a single family dwelling. Hawaii and Alaska Conforming Loans: The maximum loan amount for conforming loans is 1.5 times greater in Alaska and Hawaii. Mirad Financial Group does not guarantee the availability of any particular interest rate, and any interest rate information provided to you is solely for your information and may be changed by Mirad Financial Group at any time.