Adjustable Rates 1 Year Adjustable Rate - 30 Year Term  Rate  APR  Points  5.800%  7.653%  1.000% 3 Year Adjustable Rate - 30 Year Term  Rate  APR  Points  6.250%  7.369%  1.000% Fixed Rates 30 Year Fixed Rate  Rate  APR  Points  7.750%  7.936%  1.500% 15 Year Fixed Rate  Rate  APR  Points  7.000%  7.164%  0.750%