Conventional 30 Year Fixed Rate  Rate  APR  Points  4.875%  4.960%  0.000% 20 Year Fixed Rate  Rate  APR  Points  4.750%  4.865%  0.000% 15 Year Fixed Rate  Rate  APR  Points  4.375%  4.519%  0.000% FHA FHA 30 Year Fixed Rate  Rate  APR  Points  4.750%  5.572%  0.000% ARMS 5 Year Adjustable Rate  Rate  APR  Points  4.375%  4.927%  0.000% 7 Year Adjustable Rate  Rate  APR  Points  4.500%  4.902%  0.000%