Conforming 30 Year Fixed Rate  Rate  APR  Points  7.375%  7.413%  0.000% 15 Year Fixed Rate  Rate  APR  Points  7.000%  7.059%  0.000% First Time Homebuyer Fixed Rate  Rate  APR  Points  7.375%  7.413%  0.000% 5/1 Adjustable Rate 30YR.  Rate  APR  Points  6.625%  7.320%  0.000%