Rates December 3rd, 2010 

Conventional 30 yr Fixed  –  4.5% no points (3.99% for first time home buyer)

Conventional 15 yr Fixed  –  3.875% no points (3.5% for first time home buyer Conventional 5/1 arm- 2.99% no points

Jumbo 5/1yr arm  – 3.99% FHA 96.5%- 4.375%  – 30 year fixed  (4.00% for first time home buyer)

VA 100%- 4.375% – 30 year fixed (4.00% for first time home buyer) All conventional and government loan rates are based on a middle
credit score of 740 or higher and a loan amount of $150k or higher on
a primary residence purchase.  Max loan to value on all conventional
loans is 95% due to mortgage insurance guidelines. (debt to income
ratio is limited for mortgage insurance above 90% loan to value)   All
rates based on purchase money mortgages for primary residences.

Rates are subject to change based on market conditions and are
intended to be used as a guide only.  For APR and up to the minute
rates, please call for a rate quote. For more information on our loan programs or to make an application,
please contact:

Tyler Oden
Tyler.oden@suntrust.com
www.tyleroden.com
Office:  850 425-6716
Fax:  850 425-6730
Mobile: 850 294-6626 Barry Bevis, Broker/Realtor
C-850-491-3600
F-877-870-9066
www.BevisRealty.com