David A. Pellegrino, Colorado Mortgage Consultant -- Assumptions

David A. Pellegrino, Mortgage Consultant for Bancgroup Mortgage Corporation

Today's Mortgage Rates:

	-.--%	30-Year Fixed Rate Conforming Mortgage	-.--%	APR
	-.--%	30-Year Fixed Rate FHA Mortgage	-.--%	APR
	-.--%	15-Year Fixed Rate Conforming Mortgage	-.--%	APR

Indices: LIBOR -- 0.99% Treasuries -- 0.27% Prime Rate -- 3.25%
Updated on Monday, January 03, 2011 05:18:22 PM -- Assumptions

	Assumptions

	These quotes are based on a typical mortgage scenario as shown below. Rates and APRs may change at any time and vary according to the property and loan characteristics.

	Conforming: Loan Size: $200,000 Loan-to-Value: 80% Down payment: 20% FICO Score: >740 Loan purpose: Purchase Property type: Single Family Residence Occupancy: Primary Residence Lock period: 45 days Total Number of Payments: 360 or 180 Prepayment penalty: None State: Colorado Origination: 1.0% Fees: $675 (Lender Fees) + 15-day Pre-paid Interest (($200,000 * Interest Rate/364 )*15)

	FHA: Loan Size: $200,000 Loan-to-Value: 96.5% Down payment: 3.5% FICO Score: >640 Loan purpose: Purchase Property type: Single Family Residence Occupancy: Primary Residence Lock period: 45 days Total Number of Payments: 360 Prepayment penalty: None State: Colorado Origination: 1.0 Fees: $799 (Lender Fees) + 15-day Pre-paid Interest (($200,000 * Interest Rate/364 )*15) + $4500 UFMIP

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BancGROUP^TM Mortgage Corporation is an Equal Housing Lender and Colorado, Illinois, Indiana, Wisconsin and Florida Residential Mortgage Licensee.

David A. Pellegrino -- Colorado Mortgage Loan Originator # 100017881 / National Mortgage Licensing System # 190983

1745 Shea Center Drive, Suite 130 Highlands Ranch, CO 80129-1537 -- Office: 303.542.1103 Fax: 303.542.1200