Robert F. Darby, Jr. Senior Loan Consultant 908-578-2106 direct If you want cash out - purchase or any other product - I have it. Don't ask for a "rate quote" - anyone can provide you with that. I want to have you in the loan that best meets your needs - and that is not based on rate quoting. If someone can quote you a rate without knowing all the factors - credit scores, work history, etc. etc. - run the other way - because when you get to the table to close, you will find a lot of additional items on the final papers - remember, you can always walk from the table - you are not commited to a loan until you sign - with a purchase, or after the 3 day recission period with a refinance. This is YOUR loan and you should not have any anxiety about signing for it, if you have been provided with the true progam. I'm obsessed with providing quality service - you will always be able to find out the whole program from me. And, if you have any hesitation - DON'T take the loan - wait and let's review and discuss it again. Your satisfaction means referrals - and referrals are my source of new business This is not a commitment to lend, Rate and Terms are subject to change without notice.

Loan Rates

Effective February 15, 2008

FIRST MORTGAGE LOANS (maximum $2,500,000)*
We offer first mortgage programs, for purchase or refinance, on 1 to 4 family properties. The home must be owner occupied as the owner's primary residence or true vacation home.

Program**	Interest Rate	APR	Monthly Cost per $1,000
3-year, fixed-rate converting to a 1-year ARM***	5.250%	4.983%	$5.53
5-year, fixed-rate converting to a 1-year ARM***	5.500%	5.129%	$5.68
5/1 ARM Interest Only***	5.750%	5.125%	$4.79
7-year, fixed-rate converting to a 1-year ARM***	5.625%	5.266%	$5.76
7/1 ARM Interest Only***	5.875%	5.376%	$4.89
10-year, fixed-rate converting to a 1-year ARM***	6.000%	5.626%	$6.00
10/1 ARM Interest Only***	6.250%	5.757%	$5.20
15/30 fixed rate balloon	6.125%	6.147%	$6.08
10-year, fixed-rate conforming	5.500%	5.597%	$10.86
10-year fixed rate jumbo	5.750%	5.771%	$10.98
15-year, fixed-rate conforming	5.500%	5.568%	$8.18
15-year fixed rate jumbo	5.875%	5.890%	$8.38
20-year, fixed-rate conforming	5.625%	5.680%	$6.95
20-year fixed rate jumbo	6.000%	6.012%	$7.16
30-year fixed rate conforming	6.000%	6.042%	$6.00
30-year fixed rate jumbo	6.250%	6.259%	$6.16

Jumbo Loans No Points - Conforming Fixed Rate Loans 0.25 Point

Special programs available for first-time home buyer and low- or moderate-income borrowers.
Biweekly mortgage payments are available on Fixed Rate Loans

*Add 0.25% to the interest rate for loans over $1,250,000.00
* Rate buy-downs available currently 1/8% for 1 point (1%) - (max 2 points)
Add 0.125% to the interest rate for all New York Loans