Average Mortgage Rates and Indexes

*--* Weekly survey of 60 Southland lenders as of Nov. 28, 2007 Latest week One week previous Six months previous Rates for loans up to $417,000 30-year fixed 5.97%/1.32 pt. 6.01%/1.28 pt. 5.97%/1.57 pt. 30-year ARM 4.77%/0.97 pt. 4.77%/0.97 pt. 3.48%/0.75 pt. start rate 15-year fixed 5.60%/1.26 pt. 5.68%/1.21 pt. 5.72%/1.49 pt. Rates for loans of $417,001 and above 30-year fixed 6.66%/1.22 pt. 6.69%/1.20 pt. 6.28%/1.43 pt. 30-year ARM 5.04%/1.03 pt. 5.05%/1.03 pt. 3.57%/0.88 pt. start rate 15-year fixed 6.24%/1.17 pt. 6.28%/1.16 pt. 5.99%/1.45 pt. FHA or VA 6.64%/2.13 pt. 6.65%/2.14 pt. 6.68%/1.95 pt. mortgage Average / points CALVET 30-year 6.10%/0.00 pt. 6.10%/0.00 pt. 6.10%/0.00 pt. 6-month LIBOR 4.860% 4.740% 5.380% 1-year 3.300% 3.580% 4.950% Treasury bill 6-month 3.410% 3.650% 5.000% Treasury bill 6-month CD 4.880% 4.800% 5.330% Prime rate 7.500% 7.500% 8.250% 11th District Sept. ’07 Aug. ’07 March ’07 cost-of-funds 4.383% 4.359% 4.299% Compiled by National Financial News Services *--*