• Conventional Loans
• VA Loans

• Conventional Loan Quote Parameters

• Purchase Price	$400,000
  Loan Amount	$300,000 (75%)
  Loan Purpose	Purchase
  Property Use	Primary Residence
  Property Type	Single Family Residence
  Property Location	North Pole, Alaska
  Lock Period	45 Days
  Credit	Excellent (FICO >= 780)

30 Year Fixed Rate Mortgage - Conventional

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
5.250%	5.450%	1.885%	$2,350.27	$7,582.50	$113,696.92	88	apply
5.375%	5.518%	1.248%	$2,373.57	$5,671.50	$111,800.30	94	apply
5.500%	5.576%	0.513%	$2,397.03	$3,466.50	$109,609.69		apply
5.625%	5.662%	0.083%	$2,420.63	$2,176.50	$108,334.07	55	apply
5.750%	5.792%	0.135%	$2,444.38	$2,332.50	$108,504.45	24	apply
5.875%	5.875%	0.000%	$2,468.27	$679.50	$106,865.84	39	apply

15 Year Fixed Rate Mortgage - Conventional

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
4.750%	5.020%	1.442%	$3,027.16	$6,253.50	$112,310.39	50	apply
4.875%	5.096%	1.120%	$3,046.55	$5,287.50	$111,358.77		apply
5.000%	5.168%	0.775%	$3,066.04	$4,252.50	$110,338.15	53	apply
5.125%	5.261%	0.561%	$3,085.62	$3,610.50	$109,710.54	43	apply
5.250%	5.361%	0.395%	$3,105.29	$3,112.50	$109,226.92	37	apply
5.375%	5.445%	0.133%	$3,125.06	$2,326.50	$108,455.30	38	apply
5.500%	5.530%	0.000%	$3,144.91	$1,534.50	$107,677.69	38	apply

5/1 ARM - Conventional

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
5.500%	7.478%	1.795%	$2,397.03	$7,312.50	$113,455.69	39	apply
5.625%	7.496%	1.472%	$2,420.63	$6,343.50	$112,501.07	38	apply
5.750%	7.517%	1.174%	$2,444.38	$5,449.50	$111,621.45		apply
5.875%	7.536%	0.865%	$2,468.27	$4,522.50	$110,708.84	39	apply
6.000%	7.559%	0.595%	$2,492.31	$3,712.50	$109,913.22	36	apply
6.125%	7.585%	0.345%	$2,516.49	$2,962.50	$109,177.60	34	apply
6.250%	7.616%	0.157%	$2,540.81	$2,398.50	$108,627.99	32	apply
6.375%	7.654%	0.036%	$2,565.27	$2,035.50	$108,279.37	28	apply
6.500%	7.692%	0.000%	$2,589.86	$1,675.50	$107,933.76	26	apply

• VA Loan Quote Parameters

• Purchase Price	$400,000
  Loan Amount	$400,000 (100%)
  Loan Purpose	Purchase
  Property Use	Primary Residence
  Property Type	Existing Single Family Residence
  Property Location	Alaska - Anchorage/Eagle River
  Lock Period	45 Days
  Credit	Excellent (FICO >= 720)

30 Year Fixed Rate Mortgage - VA

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
4.875%	5.221%	1.511%	$2,856.00	$7,750.45	$14,024.79	56	apply
5.000%	5.309%	1.087%	$2,887.11	$6,017.98	$12,311.91		apply
5.125%	5.399%	0.681%	$2,918.43	$4,359.07	$10,672.59	53	apply
5.250%	5.490%	0.292%	$2,949.96	$2,769.61	$9,102.72	52	apply
5.375%	5.606%	0.176%	$2,981.70	$2,295.64	$8,648.34	39	apply
5.500%	5.696%	0.000%	$3,013.65	$702.10	$7,074.39	42	apply

15 Year Fixed Rate Mortgage - VA

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
4.750%	5.151%	0.269%	$3,871.88	$2,675.63	$8,930.38		apply
4.875%	5.282%	0.295%	$3,898.30	$2,781.87	$9,056.21	-4	apply
5.000%	5.364%	0.011%	$3,924.84	$1,621.45	$7,915.38	20	apply
5.125%	5.447%	0.000%	$3,951.51	$505.97	$6,819.49	27	apply

• FHA Loan Quote Parameters

• Purchase Price	$400,000
  Loan Amount	$386,000 (96.5%)
  Loan Purpose	Purchase
  Property Use	Primary Residence
  Property Type	Existing Single Family Residence
  Property Location	Alaska - Anchorage/Eagle River
  Lock Period	45 Days
  Credit	Good (FICO >= 680)

30 Year Fixed Rate Mortgage - FHA

Rate	APR	Points	Estimated Payment	Closing Costs	Estimated Cash-to-Close	Payback Months*
4.875%	5.766%	1.741%	$2,947.85	$9,004.36	$29,249.07	57	apply
5.000%	5.851%	1.298%	$2,977.78	$7,264.46	$27,528.00	55	apply
5.125%	5.937%	0.873%	$3,007.92	$5,595.25	$25,877.62		apply
5.250%	6.024%	0.468%	$3,038.25	$4,004.59	$24,305.79	52	apply
5.375%	6.146%	0.412%	$3,068.79	$3,784.65	$24,104.68	30	apply
5.500%	6.232%	0.005%	$3,099.52	$2,186.14	$22,525.00	37	apply
5.625%	6.321%	0.000%	$3,130.44	$658.32	$21,016.01	40	apply