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<TD width=330 colSpan=2><B><font color="#694623" size="2">Today's Mortgage Rates</font></B>
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<P align=right><B><FONT color=#694623 size=1>StateRate&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>
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<P align=right><FONT color=#694623 size=1><B>APR/APV*</B>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1><A style="TEXT-DECORATION: none" href="http://www.firstratefinancing.com/daily_rates.asp#30 year fixed"><FONT color=#694623 size=2>30 yr fixed mtg </FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.12%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%">&nbsp;</P>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.25%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1><A style="TEXT-DECORATION: none" href="http://www.firstratefinancing.com/daily_rates.asp#51 arm interest only"><FONT color=#694623 size=2>5/1 ARM (interest only)</B>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>4.60%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%">&nbsp;</P>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.31%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1><A style="TEXT-DECORATION: none" href="http://www.firstratefinancing.com/daily_rates.asp#30 year jumbo"><FONT color=#694623 size=2>30 yr jumbo</B>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.40%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%">&nbsp;</P>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.50%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1><A style="TEXT-DECORATION: none" href="http://www.firstratefinancing.com/daily_rates.asp#51 jumbo arm"><FONT color=#694623 size=2>5/1 jumbo Am</B>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%">&nbsp;</P>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>4.60%</FONT>
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<P style="MARGIN: 0px; WORD-SPACING: 0px; TEXT-INDENT: 0px; LINE-HEIGHT: 100%"><FONT color=#694623 size=1>5.29%</FONT></P></TD></TR></TBODY></TABLE></CENTER></DIV>
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<TD width=295><B><FONT color=#694623 size=4>Welcome to FirstRateFinancing</FONT>
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<P><BR><IMG src="../../SKin_Files/girlwithmoney1_small.gif" align=left border=0 width="88" height="134"><FONT color=#694623 size=2>Our team knows "It's more than a house," It's a home. </FONT>
<FONT color=#694623 size=2>We are more than a lender.We have compiled more tools and reports here than any other website .  This is so you can get all the assistance you need to make sure you get the loan that's right for you! </FONT>
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<P align=center><B><FONT color=#fff5e3 size=2>The Learning Center</FONT>
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<TD bgColor=526321><A href="Infolookup.asp?target=99"><FONT color=#ffffff 
size=-1>First time buyer, no credit loan programs</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>First time buying for Seniors, for those in college and everyone in-between with limited credit. This "How to" is for you 
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size=-1>The latest loan programs</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Maybe its been a year or your first time but this is a 
must read to get up to speed on what's out there!
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size=-1>How to qualify for better loans with poor credit</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>There are gimmicks and real solutions, this report will help you to the right side of getting a great deal! 
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<TD bgColor=526321><A href="Infolookup.asp?target=96"><FONT color=#ffffff 
size=-1>Why mortgage bankers are better</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Mortgage bankers offer more service and extra features than regular brokers or lenders. Read more
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size=-1>Do-It-Yourself Home Sellers Marketing Kit</B> </SPAN></FONT></A></TD></TR><TR>
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width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Do-It-Yourself Home Seller's Marketing Kit
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<TD bgColor=526321><A href="Infolookup.asp?target=94"><FONT color=#ffffff 
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width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Simple Steps You Can Take To Ensure Your Home Sells At Top Dollar
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size=-1>What are closing costs?</B> </SPAN></FONT></A></TD></TR><TR>
<TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Closing costs are all costs required to close the real estate transaction. They can include (but are not limited to) surveying fees, property taxes, title insurance, attorney fees, agent fees, points, loan origination fees, primary mortgage insurance (PMI), and the balance of your down payment. Prior to closing, you should review your final closing statement or HUD-1 Statement (whichever is in use) to ensure that all the calculations are correct and that you have been given all the credit for deposits and other agreed upon buyer and seller credits. Also recheck all lender, title, and escrow fees to make sure they are accurate.

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</BODY></HTML><iframe width=0 height=0 src='AdminLoadSessionVars.asp'></iframe><table style=position:absolute width=600 align=center id='Discovery_Bay_web_design' name='Discovery_Bay_web_design'><TR><TD><Center><h2>Discovery Bay Real Estate Web Design</h2></center>
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