David A. Pellegrino, Colorado Mortgage Consultant -- Assumptions

David A. Pellegrino, Mortgage Consultant for Bancgroup Mortgage Corporation

Today's Mortgage Rates for a loan of $200,000:

	4.875%	30-Year Fixed Rate Conforming Mortgage	4.981%	APR
	4.875%	30-Year Fixed Rate FHA Mortgage	5.111%	APR
	4.625%	15-Year Fixed Rate Conforming Mortgage	4.431%	APR

Indices: LIBOR -- 0.84% Treasuries -- 0.34% Prime Rate -- 3.25%
Updated on Tuesday, March 09, 2010 11:56:32 AM -- 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: 30 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: 97% Down payment: 3% FICO Score: >640 Loan purpose: Purchase Property type: Single Family Residence Occupancy: Primary Residence Lock period: 30 days Total Number of Payments: 360 Prepayment penalty: None State: Colorado Origination: 1.0 Fees: $675 (Lender Fees) + 15-day Pre-paid Interest (($200,000 * Interest Rate/364 )*15) + $3000 UFMIP

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BancGROUP^TM Mortgage Corporation is an Equal Housing Lender and California, Colorado (MB100017881), Illinois, Indiana, Wisconsin and Florida Residential Mortgage Licensee

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

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