Today's Rates / Daily Rate Options Spreadsheet

Today's Low Fixed and Adjustable Rates

Mortgage interest rates are based on several variables such as loan size, property use, loan-to-value and credit scores. The rates below are based on a $250,000 loan, 80% loan-to-value, 740+ FICO score, <50% debt-to-income ratio on a primary residence.

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Two Other Great Tools to Help You With Interest Rates

• Get the Daily Rate Lock Advisory

• Get instant updates with advice to lock or float

Note: Negative points in the table below represent a credit toward your closing costs.

Current posted rates are in effect as of 09/02/2010 10:12:38 AM Central Time.
Rates are subject to change without notice.

15 Year Fixed Rate
Rate	Points	APR	Lock Days
3.500%	1.323%	3.715%	30
3.625%	0.323%	3.693%	30
3.750%	-0.802%	3.654%	30
3.875%	-1.427%	3.687%	30
4.000%	-1.802%	3.758%	30
The APR is calculated using a loan amount of $250,000 and these typical fees.

5/1 ARM (Fixed for 5 Years)
Rate	Points	APR	Lock Days
2.875%	0.198%	3.039%	30
3.000%	-0.302%	3.075%	30
3.125%	-0.427%	3.110%	30
3.250%	-0.552%	3.068%	30
3.375%	-0.677%	3.103%	30
The APR is calculated using a loan amount of $250,000 and these typical fees.

30 Year Fixed Rate
Rate	Points	APR	Lock Days
4.000%	0.948%	4.091%	30
4.125%	0.198%	4.153%	30
4.250%	-0.427%	4.226%	30
4.375%	-1.302%	4.278%	30
4.500%	-1.802%	4.360%	30
The APR is calculated using a loan amount of $250,000 and these typical fees.

Rates are based on a $250,000 loan amount, 80% or less loan-to-value (LTV), 49% or less debt-to-income (DTI) ratio, 30 day lock and 740 or above FICO on a one unit primary residence.

Loan amount, LTV, DTI, lock duration, FICO, property type and property use are all factors that impact rates and points.

Use the Customizable Spreadsheet to determine the rates and points that apply to your situation.

Carolina's Lending Source, Inc. 2500 Regency Parkway Cary, NC 27518

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