Howard Hanna Mortgage Services
RATES EFFECTIVE:   November 21, 2008 at 11:30 am
Programs	Interest	APR	Points	Loan Amounts	Down	Lock
					Pymt	Period*
30 Year Fixed	5.875%	6.025%		Maximum of $417,000	20%	45
	6.000%	6.128%		Maximum of $417,000	20%	45
15 Year Fixed	6.000%	6.255%		Maximum of $417,000	20%	45
	6.125%	6.362%		Maximum of $417,000	20%	45
3/1 ARM	5.375%	4.572%		Maximum of $600,000	5%*	45
5/1 ARM	5.250%	4.589%		Maximum of $600,000	5%*	45
30 Year Jumbo Fixed	8.375%	8.471%		Loans Over $417,000	10%	45
	8.000%	8.225%		Loans Over $417,000	10%	45
15 Year Jumbo Fixed	8.375%	8.524%		Loans Over $417,000	10%	45
FHA 30 Year	6.250%	7.039%		Varies by County	3%	45
VA 30 Year	6.250%	6.530%		Maximum of 417,000	0%	45
The APR indicated in the above chart reflects a 20% down payment on a loan of $150,000 for the loan product listed. Lesser down payments require mortgage insurance premiums and increase the APR. Rates subject to change without notice. APR is inclusive of origination fee and/or points charged to borrowers.
*Restrictions may apply.