1/6/2009 The rates listed below represent the lowest rates currently available. The actual rates available to you will vary based on a number of factors. Please note that these rates are only available to qualified applicants and assume excellent credit. Rates and terms are subject to change or cancellation. Please call for further details or Apply online.   Program Rate APR Points Monthly Payment Per $100,000 Conf Fixed 30 - Credit Union 5.250% 5.344%1 0.000% $552.21 Conf Fixed 20 -Credit Union 5.125% 5.312%2 0.000% $666.88 Conf Fixed 15 - Credit Union 4.875% 5.109%3 0.000% $784.29 Conf 3/1 CMT ARM - Credit Union 6.750% 6.909%4 0.000% $648.60 Conf 5/1 CMT ARM - Credit Union 6.750% 7.058%5 0.000% $648.60 Conf 7/1 CMT ARM-Credit Union 6.750% 7.380%6 0.000% $648.60 Jumbo 15 yr Fixed - Credit Union 7.750% 7.957%7 0.000% $941.28   1Conf Fixed 30 - Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 2Conf Fixed 20 -Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 3Conf Fixed 15 - Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 4Conf 3/1 CMT ARM - Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 5Conf 5/1 CMT ARM - Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 6Conf 7/1 CMT ARM-Credit Union - The Annual Percentage Rate (APR) is based a loan amount of $100,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 50% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $417,000.00 for a single family dwelling. 7Jumbo 15 yr Fixed - Credit Union - The Annual Percentage Rate (APR) is based on a loan amount of $500,000.00 with $1,330.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 29% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of CO with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $650,000.00 for a single family dwelling. Hawaii and Alaska Conforming Loans: The maximum loan amount for conforming loans is 1.5 times greater in Alaska and Hawaii. CU/America Financial Services does not guarantee the availability of any particular interest rate, and any interest rate information provided to you is solely for your information and may be changed by CU/America Financial Services at any time.