$1000 GIFT CERTIFICATE TO GRASSMERE INN AND TENNIS ACADEMY

 $1000 Gift Certificate to Grassmere Inn and Peter Kaplan's Jr/Adults Day-Overnight Tennis Academy for any borrower who closes on

a loan, refinance, or mortgage with Peter &Alison Kaplan

    

August 19, 2005 Rates


Loan Program Rates

30 Year Jumbo Fixed 6.000%

30 Year Conforming Fixed 5.750%

15 Year Jumbo Fixed 5.500%

15 Year Conforming Fixed 5.375%

3/1 Year ARM 5.000%

5/1 Year ARM 5.250%

5/1 Year ARM Interest Only 5.375%

7/1 Year ARM 5.500%

7/1 Year ARM Interest Only 5.625%

10/1 Year ARM 5.625%

10/1 Year ARM Interest Only 5.750%

MTA, T-BILL & LIBOR BASED LOANS, SECOND HOMES AND INVESTMENT PROPERTIES,

SUPER JUMBO LOANS, FOREIGN NATIONALS, CONSTRUCTION FINANCING, NO INCOME VERIFICATION, TRUE NO DOC LOANS, CORPORATE TITLE, 100% FINANCING, CO-OP LOANS, LESS THAN PERFECT CREDIT, LOANS FOR ALL 50 STATES