30 Year Conventional 6.375% 6.519% APR My Community 100 7.25% 7.402% APR Rates effective as of 10/5/2007. Rates are subject to change without notification. All interest rate quotes assume a 1% origination fee and 0% discount fee. A Few Words About Rates When comparing rates, be sure you're comparing the same types of loans. This can be trickier than it sounds. Loan programs vary, but by asking a few key questions, you'll be able to make better comparisons. (Our Q & A page has more information on ARM's, caps, balloons, etc.) •  How long is the loan for? •  If it's fixed, how long is it fixed for? Is it fixed for the life of the loan, or does it change to an ARM or have a balloon payment? •  If it's adjustable, how long is the initial rate in effect? What is the margin? What are the caps?

Keep in mind, if it sounds too good to be true... At FOCUS, we won't publish misleading rates just to get you in the door. In fact, we pride ourselves on our high standards of honesty and integrity. We know how confusing all the mortgage jargon can be. Call us. We want to help you understand.