Loan amount less than 417,000
30 Year Fixed*
Interest Rate Points Origination Fee APR**
6.000% 1.00 0 6.100%
6.125% 0.50 0 6.200%
6.375% 0 0 6.375%
6.625% 0 point; 0 closing costs*** 6.625%
Fixed Interest only for 5 years*
(Loan amount stays the same for 5 years)
Interest Rate Points Origination Fee APR**
4.750% 1.00 0 5.253%
5.000% 0.50 0 5.250%
5.250% 0 0 5.250%
6.000% 0 point; 0 closing costs*** 5.500%
Fixed Interest only for 7 years*
(Loan amount stays the same for 7 years)
Interest Rate Points Origination Fee APR**
5.000% 1.00 0 5.250%
5.250% 0.50 0 5.375%
5.625% 0 0 5.375%
N/A 0 point; 0 closing costs*** 0.000%
Fixed Interest only for 10 years*
(Loan amount stays the same for 10 years)
Interest Rate Points Origination Fee APR**
5.375% 1.00 0 5.419%
5.625% 0.50 0 5.500%
6.000% 0 0 5.600%
N/A 0 point; 0 closing costs*** 0.000%
"*Based on
No cash-out refinance Loan-to-Value not greater than 80%
Credit score of at least 680 Full Documentation
**APR based on points only ***non-recurring closing costs"
OTHER LOAN PROGRAMS AVAILABLE
Rates as of 2/24/2008
 |  |  |  |
| 50% buyer rebate |
| 50% buyer rebate |
| up to 50% buyer rebate |
| up to 50% buyer rebate |
| California Mortgage and Realty Group www.calmargroup.com |