Conventional 30 Year Fixed Rate  Rate  APR  Points  4.000%  4.080%  0.000% 20 Year Fixed Rate  Rate  APR  Points  3.750%  3.860%  0.000% 15 Year Fixed Rate  Rate  APR  Points  3.375%  3.515%  0.000% FHA FHA 30 Year Fixed Rate  Rate  APR  Points  3.750%  4.542%  0.000% ARMS 5 Year Adjustable Rate  Rate  APR  Points  3.500%  3.899%  0.000% 7 Year Adjustable Rate  Rate  APR  Points  3.625%  3.901%  0.000%