Average Mortgage Rates and Indexes

*--* Latest week One week Six months previous previous Rates for loans up to $359,649 30-year fixed 5.46%/1.45pt 5.49%/1.43pt 5.63%/1.75pt 30-year ARM start rate 3.64%/0.59pt 3.64%/0.59pt 3.42%/0.66pt 15-year fixed 5.09%/1.33pt 5.11%/1.28pt 5.22%/1.79pt

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*--* Rates for loans of $359,650 and above 30-year fixed 5.73%/1.33pt 5.70%/1.31pt 5.86%/1.68pt 30-year ARM start rate 3.76%/0.50pt 3.76%/0.50pt 5.43%/0.65pt 15-year fixed 5.36%/1.26pt 5.33%/1.29pt 5.43%/1.71pt FHA or VA mortgage Average 6.14%/0.52pt 6.14%/0.52pt 6.13%/0.67pt / points CALVET 30-year 5.50%/0.00pt 5.50%/0.00pt 5.50%/0.00pt 6-month LIBOR 4.060% 4.220% 3.370% 1-year Treasury bill 3.880% 3.820% 3.380% 6-month Treasury bill 3.840% 3.780% 3.150% 6-month CD 4.020% 3.970% 3.300% Prime rate 6.750% 6.750% 5.750%

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*--* 11th District cost-of-funds July ’05 June ’05 Jan.’05 2.757% 2.676% 2.183%

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Compiled by National Financial News Services