Conventional 30 Year Fixed Rate  Rate  APR  Points  4.625%  4.709%  0.000% 20 Year Fixed Rate  Rate  APR  Points  4.500%  4.614%  0.000% 15 Year Fixed Rate  Rate  APR  Points  4.125%  4.268%  0.000% FHA FHA 30 Year Fixed Rate  Rate  APR  Points  4.500%  5.314%  0.000% ARMS 5 Year Adjustable Rate  Rate  APR  Points  4.375%  5.005%  0.000% 7 Year Adjustable Rate  Rate  APR  Points  4.500%  4.965%  0.000%