Rate Sheet as of 11/28/2011         CONVENTIONAL Fixed Rate (30 Yr)  Fixed Rate            (15 Yr )             5 Year Conventional ARM                GOVERNMENT FHA Fixed 30 Yr    USDA Rural Housing         No Points 4.0%   3.375%     3.125% with  .375 Points        4.0%     3.75%       Points       3.875% with 0.625 Points   3.25% with  0.5 Points   2.875% with .875 Points       3.75% with  1.0 Point         Loan Preapproval-First Step to Buying A Home Source of Information:  Mortgage Market Guide Rates are subject to change without notice.  Rates will also vary due to a buyer's information and circumstances.  Consult your local lender today and get started on your home search.