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30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.502%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.970%  0.000%
3 Year Adjustable Rate
 Rate  APR  Points
 3.125%  3.634%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 3.125%  3.569%  0.000%
Assumptions

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