Source:MAILFile:MAIL6116Dated:16:01 18-11-2004Processed at:16:02 18-Nov-04

Mortgage Rates From Top Area Lenders

18-Nov-04TableStyle: FIN_MORTGAGE CCI Template: FIN_MORTGAGE

90 and 80 Percent Loans80 Percent Loans Above $333,700LenderNote typeNote rateTotal pointsAPRLoan limitNote rateTotal pointsAPRLoan limitTotal points is the fee paid to lender at time of loan closing, as a percentage of the loan balance.

Loan limit is the maximum amount the lender will loan for the minimum down payment and other terms shown.

APR is the annual percentage rate, which is an estimated annual cost of the loan to the borrower. APRs are included for comparison only. APRs for adjustable loans are calculated using the fully-indexed rate (i.e. margin plus index). When applying for a loan, federal Truth-in-Lending law requires lenders to calculate an APR specific to each loan offer.

Mortgage rates often change daily. The above rate information, collected by National Financial News Service, is based on a list of the area's most active home-purchase lenders. The rates are subject to change without notice and may be lower or higher than those of other lenders in the area.Wells Fargo Mtg.30-year fixed51/4%2NA$333,70051/2%2NA$650,00015-year fixed43/4%2NA$333,70043/4%2NA$650,000301-984-18801-year adjustable31/2%2NA$333,70031/2%21/2NA$650,000Bank of America30-year fixed51/2%15.631$333,70051/2%15.615$750,000Mortgage15-year fixed43/4%11/44.984$333,7005%15.177$750,000800-279-70841-year adjustable4%15.262$333,70041/4%15.27$750,000First Savings Mtg.30-year fixed5%35.297$333,70053/8%25.572$650,00015-year fixed43/4%25.101$333,70047/8%25.205$650,000703-883-90101-year adjustable31/2%1/24.14$333,70031/2%1/24.122$1,000,000Prosperity Mortgage30-year fixed5%3NA$333,70051/2%21/4NA$650,00015-year fixed43/8%23/4NA$333,70045/8%21/2NA$650,000301-770-57721-year adjustable3%3NA$333,70033/8%3NA$650,000FNMC/EMS/NCM30-year fixed51/4%2NA$333,70051/4%2NA$650,000First of America15-year fixed41/2%11/2NA$333,70047/8%11/2NA$650,000AccuBanc Mtg.1-year adjustable33/8%2NA$333,70031/2%2NA$650,000First Horizon30-year fixed55/8%1NA$333,70055/8%11/8NA$650,000Home Loans15-year fixed51/8%1NA$333,7005%11/8NA$650,000703-631-00981-year adjustable25/8%11/8NA$333,70033/4%1NA$650,000Washington Mutual30-year fixed51/2%1NA$333,70055/8%1NA$650,00015-year fixed47/8%7/8NA$333,70051/8%7/8NA$650,000888-926-85361-year adjustable4%3/4NA$333,700NANANA$650,000SunTrust Mtg.30-year fixed51/4%25.5$333,70051/2%11/25.7$1,000,00015-year fixed41/2%21/44.7$333,70047/8%11/25.2$1,000,000703-813-40001-year adjustable31/2%21/2NA$650,00031/2%21/2NA$1,000,000Chevy Chase Bank/30-year fixed51/4%13/45.426$333,70051/2%13/45.67$750,000B.F. Saul Mtg.15-year fixed45/8%15/84.901$333,70047/8%21/85.218$750,000800-807-58801-year adjustable41/2%11/45.065$333,70045/8%11/45.068$750,000Intercoastal30-year fixed53/8%1NA$333,70055/8%1NA$650,000Mortgage Co.15-year fixed47/8%1NA$333,7005%1NA$650,000703-449-68001-year adjustable37/8%1NA$333,70037/8%1NA$650,000HSBC Mortgage Corp.30-year fixed53/8%7/85.518$333,70053/4%15.861$650,000USA15-year fixed47/8%3/45.097$333,70051/4%15.435$650,000800-537-87051-year adjustableNANANA$333,700NANANA$650,000CTX Mtg.30-year fixed55/8%0NA$333,70053/4%0NA$700,00015-year fixed51/8%0NA$333,70051/4%0NA$700,000703-385-61001-year adjustableNANANA$333,700NANANA$700,000Wachovia Mortgage30-year fixed55/8%05.765$333,70053/4%05.875$650,00015-year fixed51/4%05.483$333,70051/4%05.457$650,000703-548-57231-year adjustableNANANA$333,700NANANA$650,000Navy Federal30-year fixed53/8%11/25.511$333,70053/8%11/25.511$650,000Credit Union15-year fixed45/8%13/44.891$333,70045/8%13/4NA$650,000703-255-73001-year adjustable33/8%11/45.77$333,70033/4%11/4NA$650,000American Home30-year fixed57/8%0NA$333,7006%0NA$650,000Mortgage15-year fixed51/4%0NA$333,70051/2%0NA$650,000703-798-48051-year adjustable31/8%1NA$333,70041/8%1NANAWestminster Mortgage30-year fixed53/8%1NA$333,70055/8%1NA$650,00015-year fixed47/8%1NA$333,70051/8%1NA$650,000703-433-62001-year adjustable23/4%1NA$333,70031/2%1NA$1,000,000Charter One Bank30-year fixed53/8%1NA$333,70053/8%2NA$750,00015-year fixed47/8%1NA$333,70043/4%2NA$750,000301-984-63001-year adjustable33/4%2NA$333,70037/8%2NA$750,000Fidelity & Trust30-year fixed51/4%23/8NA$333,70051/2%2NA$650,000Mortgage15-year fixed43/4%13/4NA$333,7005%2NA$650,000301-907-80301-year adjustable31/2%2NA$333,70037/8%15/8NA$650,000Guaranty Resident'l/30-year fixed53/8%25.58$333,70055/8%11/25.763$650,000New York Mortgage15-year fixed47/8%25.218$333,70051/8%11/25.356$650,000866-590-53631-year adjustable3%24.103$333,7003%21/44.125$1,000,000Sandy Spring30-year fixed53/4%05.762$333,70057/8%05.913$650,000Bank15-year fixed51/8%05.137$333,70053/8%05.395$650,000800-869-85231-year adjustable37/8%15.238$333,70041/4%15.239$650,000Number of lenders listed: 26; Need to trim: 6