MONTHLY PAYMENT    (Amortizing)                                          MONTHLY PAYMENT    (Interest-Only)

PER $1000. BORROWED, (Principal & Interest)                           PER $1000. BORROWED, (Interest-Only)

30 YEAR LOAN TERM -  ARM or FIXED                                     30 YEAR TERM W/ Intermediate Adjustment -

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RATE            Cost Per Thousand (P&I)                                          RATE               Cost Per Thousand (I/O)

4.25%                    4.92                                                                          5.00%                       4.17

4.50%                    5.07                                                                          5.25%                       4.38

4.75%                    5.22                                                                          5.50%                       4.58

5.00%                    5.37                                                                          5.75%                       4.79

5.25%                    5.53                                                                          6.00%                       5.00

5.50%                    5.68                                                                          6.25%                       5.21

5.75%                    5.84                                                                          6.50%                       5.42

6.00%                    5.99                                                                          6.75%                       5.63

6.25%                    6.16                                                                          7.00%                       5.83

6.50%                    6.32                                                                          7.25%                       6.04

6.75%                    6.49                                                                          7.50%                       6.25

7.00%                    6.65                                                                          7.75%                       6.46

7.25%                    6.82                                                                          8.00%                       6.67