Interest rates are as of  December  15, 2008. Rates do not require any points.

30 Year Fixed 

Conforming Rate =  5.000%  APR = 5.064%

Jumbo Rate = 7.500% APR 7.564%

15 Year Fixed

Conforming Rate = 5.125%   APR = 5.189%

Jumbo Rate = 5.625%   APR 5.689%

3/1 Libor ARM

Conforming Rate = 4.750%  APR = 4.814%

Jumbo Rate = 4.750%  APR = 4.814%

5/1 Libor ARM

Conforming Rate = 5.000%  APR = 5.064%

Jumbo Rate = 5.000%  APR = 5.064%

7/1 Libor ARM

Conforming Rate = 5.375%   APR = 5.439%

Jumbo Rate = 5.375%   APR = 5.439%

10/1 Libor ARM

Conforming Rate = 5.500%   APR = 5.564%

Jumbo Rate = 5.500%   APR = 5.564%

Information is provided to assist real estate professionals and is not intended to extend credit as defined by Section 226.2 of Regulation Z. Rates are accurate as of date printed and are subject to change until locked.

Steve Laner

Vice President

847-282-5030 (direct)

847-317-1900 (main)

SteveL@perlmortgage.com

Matt Cochran

773-413-6210 (direct)

312-320-8220 (mobile)

MCochran@perlmortgage.com