30 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.159%  1.750%
 4.250%  4.388%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.000%  4.000%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.000%  3.513%  1.875%
 3.375%  3.613%  0.000%