Conventional 30 Year Fixed Rate  Rate  APR  Points  3.875%  3.955%  0.000% 20 Year Fixed Rate  Rate  APR  Points  3.750%  3.861%  0.000% 15 Year Fixed Rate  Rate  APR  Points  3.375%  3.515%  0.000% FHA FHA 30 Year Fixed Rate  Rate  APR  Points  3.875%  4.671%  0.000% ARMS 5 Year Adjustable Rate  Rate  APR  Points  3.750%  4.385%  0.000% 7 Year Adjustable Rate  Rate  APR  Points  3.875%  4.345%  0.000%