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					                      Sun West Mortgage Company Inc.
                         MAIN OFFICE: 18303 Gridley Road, Cerritos, CA 90703
               LOCK-IN : 08:30 AM to 02:00 PM (PST) Sungita, Thuy or John (800) 453-7884

                                                 Table of Contents
              Rates and Prices posted on all our ratesheet are
      indications only and are subject to change without any notice.
                Please call the lock desk to confirm pricing.
          Tab Name                       Program Description
           FHA-Fixed_ARM                                           FHA (Fix/Arm) and FHA-Access
              FHA-Secure                                                            FHA-Secure
             C onforming                                   Conforming Arms and Fixed Program
   This information is provided to assist real estate professionals only, and is not intended for distribution to or for use by the general
                                                                   public.
             Rates subject to change without notice. SUN WEST MORTGAGE is licensed by the California Dept. of Real Estate.
                                    (License #00793885) The CA DRE phone number is (919) 227-0931.
        If you would like to be omitted from this distribution or would like additional information, please call us at (800) 453-7884.

Sun West Mortgage Company, Inc. is registered to do business in Alaska as a foreign corporation (906355), licensed as a mortgage
banker and mortgage servicer by the Arkansas Securities Commissioner (license number 40431); by the Arizona Department of
Financial Institutions (registered in Arizona as Cal State Funding and licensed as a Mortgage Banker, license number BK-090624 in its
Mesa, AZ office and has a branch license number BKBR 0113709 in Cerritos, CA); by the California Department of Corporations under
the California Residential Mortgage Lending Act and holds a California Finance Lender License (603 0119) and a California Real Estate
Brokers License (00793885), licensed by the California Department of Real Estate; by the Colorado Department of Law Uniform
Consumer Credit Code, holding a Supervised Lender’s License (989559); the Connecticut Department of Banking (Registered in
Connecticut as Sun West Mortgage Company, Inc. dba Cal State Funding, First Mortgage Lender/Broker license number 19683,
Second Mortgage Lender/Broker license number 20383), is a licensed lender in Delaware (State Bank Commissioner license number
9970); is licensed by the District of Columbia Dept. of Insurance, Securities and Banking as a mortgage lender (license number
6696); is licensed by Florida’s Office of Financial Regulation with a Mortgage Lender License (ML 0701268); is a licensed Mortgage
Banker in Georgia (License #22591); is an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate, Mortgage
Banking Division, (MB.6760356); is a licensed Mortgage Banker in Iowa (MBK-2007-0093); is licensed as a Supervised Lender in
Kansas (license number 2007-5300); is exempt from licensure in Kentucky (exemption #19567); is licensed as a Supervised Lender
in Maine (license no. SLM9710); is a licensed mortgage lender in Massachusetts (ML3212); is exempt from licensure in Missouri; is a
licensed Residential Mortgage Originator in Minnesota (40020564); is a licensed Mortgage Banker in Nebraska under the dba Cal
State Funding, Inc. (license no. 1908); is licensed by the New Hampshire Banking Department as a Mortgage Banker (license number
13604-MB; registered in New Mexico under the Mortgage Loan Company and Loan Broker Act (03201) doing business as Sun West
Mortgage USA, Inc.; is a North Dakota licensed mortgage broker (No. MB101661; an Oregon Mortgage Lender Licensee (ML-4599); a
Supervised Lender in South Carolina (S-7,411); a South Dakota Licensed Mortgage Lender (4740); registered by the Tennessee
Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (0000003552); a Registered Texas
Mortgage Banker (50138), and is exempt from licensure under the Mortgage Broker Act in Washington, and is licensed under the
name Sun West Company, Inc. as a Mortgage Banker in Wisconsin (license number 212942).
In all states, the principal licensed office of Sun West Mortgage Company, Inc. is 18303 Gridley Road in Cerritos, CA 90703; (800)
453-7884. www.swmc.com. This information is provided to assist mortgage professionals only. It is not intended for public
distribution nor to be an advertisement to extend consumer credit as outlined by Section 226.2 of Reg. Z. Rates and Terms are
subject to change without notice. All rates outlined above are subject to limitations under state law with respect to usury, maximum
interest charges and fees and other applicable debtor protection law. This is not a commitment to lend.
                                    Sun West Mortgage Company Inc.
                                                    MAIN OFFICE: 18303 Gridley Road, Cerritos, CA 90703                                                                                      02/25/2008
                                     LOCK-IN : 08:30 AM to 02:00 PM (PST) Sungita, Thuy or John (800) 453-7884

                                         Government Fixed / ARMS Programs (Includes SRP)
                     FHA/VA-FIX 30YR                                                                                                                         FHA 1 YR T-BILL ARM

            RATE            10 DAY          25 DAY                                                                                                       RATE           10 DAY           25 DAY
            5.500            1.750           2.000                                                                                                       5.000           -0.500           -0.250
            5.625            1.875           2.125                                                                                                       5.125           -0.500           -0.250
            5.750            0.750           1.000                                                                                                       5.250           -0.500           -0.250
            5.875            0.125           0.375                                                                                                       5.375           -0.750           -0.500
            6.000           -0.875            -0.625                                    Price Adjustments                                               5.500     -0.875                  -0.625
            6.125           -1.000            -0.750                    Non-Owner (Hud Repos ONLY)                         0.750                        5.625     -1.000                  -0.750
            6.250           -1.500            -1.250                    Streamline Refi with 2X30 Lates                    0.500                      MARGIN: 2.75
            6.375           -2.000            -1.750                    Fico Under 580 OR No Fico                          1.000                      INDEX: 2.04
            6.500           -2.750            -2.500                    Fico 599 to 580                                    0.500
                                                                        Fico 619 - 600                                     0.375
                                                                        VA Loans                                           0.375
                         FHA 15 YR                                      Manufactured Home                                  0.625                          Loan Amount Adjustments
            RATE            10 DAY          25 DAY                      FHA Hud Repo                                       0.500                      Below $50,000                        2.000
            4.500             1.375          1.625                                                                                                    $50,000 to $69,999                   1.500
            5.000            -0.375          -0.125                                                                                                   $70,000 to $99,999                   0.625
            5.500            -1.875          -1.625                                                                                                   $100,000 to $110,000                 0.125
            6.000            -3.375          -3.125




                                     FHA Manufactured Housing Loans Require a minimum FICO of 620.

                         * PROPERTIES ON LEASE LAND (MANUF. HOME) or FICO<600-Please call for quotes.
                         * Manufactured Condo is not available.

                         *SW MC will not fund FHA streamline refinances that do not have a six-month satisfactory rating.



                                                       ACCESS-FHA 30 YEAR FIX (Includes SRP)
                                                                              FHA ACCESS ADJUSTMENTS
               FHA ACCESS -FIX 30YR
            RATE            10 DAY          25 DAY                      FICO < = 600 or NO FICO                            1.150
            6.500            -0.250          0.000                      Non-occupant Co-Signer                             1.000
            6.375             0.375          0.625                      Refinance Loan                                     0.500
            6.250             0.875          1.125
            6.125             1.375          1.625
            6.000             1.375          1.625
            5.875             2.375          2.625
            5.750             3.000          3.250                     CA & NV Properties Only.
            5.625             4.000          4.250                     Owner Occ Only; SFR, Condos, & MHF on permanent
            5.000             8.000          8.250                     Foundation.
            5.500             3.875          4.125                     No First Time Homebuyer requirements.
                                                                       2nd TD: 20 year Fixed Rate. A 97% FHA First Loan
                                                                       allows Second Loans up to 6% of sales price.
                                                                       FHA loan limits apply.



                                                                                             Lender Alert
                  Second Loan P            CCE S : ffectiv A
                               roceeds on A S FHA E         e ugust 27, 2007, proceeds fromNHFS                  ided
                                                                                                econdLoans prov inconjunctionw ith
                   CCE S                 ay                                                      .          ised
                  A S FHAFirst Loans m not beusedtofulfill the3%equitycontributionrequiredbyFHA This rev guidelineis applicableto
                                                  CCE S
                                          all newA S FHAloanreserv             ade
                                                                      ations m onor after A ugust 27, 2007.
                 S econdLoanP         ay ev                                         er's
                             roceeds m how er beusedtofinanceupto100%of theborrow cash-to-close. Thecom                     alue
                                                                                                              binedloan-to-v (CLTV  )
                        ited     ount                ,
                  is lim totheam toacquiretheproperty payclosing costs, prepaidex                           inus          estm hich
                                                                                 penses anddiscount points m the3%inv ent w
                  ay e             ebuy    n                                                   ith
                 m com fromthehom er's ow funds or agift fromanacceptablesourceinaccordancew FHAguidelines, uptoNHF's Max um     im
                                                                 CLTVof 105%   .
This information is provided to assist real estate professionals only, and is not intended for distribution to or for use by t he general public. Rates subject to change without notice. SUN WEST MORTGAGE is
                                             licensed by the California Dept. of Real Estate (License #00793885) The CA DRE phone number is (916) 227 -0931.
                                         Sun West Mortgage Company Inc.
                                                         MAIN OFFICE: 18303 Gridley Road, Cerritos, CA 90703                                                                               2/25/2008
                                        LOCK-IN : 08:30 AM to 02:00 PM (PST) Sungita, Thuy or John (800) 453-7884

                                                 FHA SECURE PROGRAM (Includes SRP)
                    FHA SECURE-FIX 30 YR                                                   FICO Adjustments
                  RATE           10 DAY           25 DAY                      Fico 600 - 619                             0.375
                  5.875           3.750            3.875                      Fico Below 600 OR No Fico                  0.750
                  6.000           2.750            2.875
                  6.125           2.750            2.875                            Loan Amount Adjustments
                  6.250           2.250            2.375                      $110,000 - $129,999                        0.125
                  6.375           1.875            2.000                      $80,000 - $109,999                         0.250
                  6.500           1.000            1.125                      $50,000 - $79, 999                         0.375
                  6.625           1.000            1.125                      Below $50,000                              1.500
                  6.750           0.625            0.750
                  6.875           0.250            0.375
                  7.000           -0.250           -0.125
                                                                               The FHA Secure initiative will enable homeowners to
                  7.125           -0.500           -0.375
                                                                               refinance various types of non-FHA Adjustable Rate
                  7.250           -0.750           -0.625
                  7.375           -0.875           -0.750
                                                                               Mortgages (ARMs). Refinances are permitted under this
                                                                               initiative when the mortgage is delinquent, and the only
                                                                               reason for the delinquency is due to circumstances
                                                                               surrounding the reset of the mortgage, provided the
                                                                               mortgage was current for six months prior to the reset.



                                                                                Eligibility Criteria
* Rate & Term Refi (No Cash Out), Owner Occupy and FIX Rates only. A non-FHA insured ARM that has reset.
* A history of on-time mortgage payments up to 6 months before the loan reset.
* The loan application must be signed no later than December 31, 2008, as this is a temporary initiative.
* A sustained history of employment.
* Sufficient income to make the new mortgage payment.


 This information is provided to assist real estate professionals only, and is not intended for distribution to or for use by the general public. Rates subject to change without notice. SUN WEST MORTGAGE is
                                              licensed by the California Dept. of Real Estate (License #00793885) The CA DRE phone number is (916) 227-0931.
                                                    Sun West Mortgage Company Inc.
                                                          MAIN OFFICE: 18303 Gridley Road, Cerritos, CA 90703                                                                  02/25/2008
                                                LOCK-IN : 08:30 AM to 02:00 PM (PST) Sungita, Thuy or John (800) 453-7884
                                             Conventional Conforming ARMS and Fixed Programs - DU / LP Approved

    CONF FIX 30YR (C30)                         CONF FIX 15YR (C15)                  CONF FIX 30YR (C30 I/O)              CONF FIX 40YR (C40)                   CONF FIX 40YR (C40 I/O)
  RATE        10 DAY     25 DAY                RATE       10 DAY       25 DAY        RATE      10 DAY      25 DAY        RATE      10 DAY     25 DAY             RATE       10 DAY   25 DAY
  5.625         2.625      2.875               5.125        1.750        2.000       6.250      0.625       0.875        6.250       0.750      1.000            6.000       5.000    5.250
  5.750         1.875      2.125               5.250        1.375        1.625       6.375      0.125       0.375        6.375       0.250      0.500            6.125       4.500    4.750
  5.875         1.250      1.500               5.375        1.125        1.375       6.500      -0.500      -0.250       6.500      -0.250      0.000            6.250       3.750    4.000
  6.000         0.625      0.875               5.500        0.500        0.750       6.625      -0.875      -0.625       6.625      -0.625     -0.375            6.375       3.125    3.375
  6.125         0.125      0.375               5.625        0.250        0.500       6.750      -1.250      -1.000       6.750      -1.000     -0.750            6.500       2.625    2.875
  6.250        -0.375     -0.125               5.750       -0.125        0.125       6.875      -1.625      -1.375       6.875      -1.375     -1.125            6.625       2.250    2.500
  6.375        -0.875     -0.625               5.875       -0.625       -0.375       7.000      -2.000      -1.750       7.000      -1.875     -1.625            6.750       1.625    1.875
  6.500        -1.375     -1.125               6.000       -1.000       -0.750       7.125      -2.375      -2.125       7.125      -2.250     -2.000            6.875       1.125    1.375
  6.625        -1.875     -1.625               6.125       -1.375       -1.125       7.250      -2.750      -2.500       7.250      -2.750     -2.500            7.000       0.750    1.000

    CONF-LIBOR 3/1 I/O                           CONF-LIBOR 5/1 I/O                    CONF-LIBOR 7/1 I/O                  CONF-TBILL 3/1                          CONF-TBILL 5/1
  RATE         10 DAY    25 DAY                RATE        10 DAY      25 DAY        RATE      10 DAY      25 DAY        RATE      10 DAY     25 DAY          RATE        10 DAY     25 DAY
  5.000         -0.500    -0.250               5.125        -0.250       0.000       5.250      0.250       0.500        5.125      -0.375     -0.125         5.125        -0.250      0.000
  5.125         -0.625    -0.375               5.250        -0.500      -0.250       5.375      0.000       0.250        5.250      -0.500     -0.250         5.250        -0.375     -0.125
  5.250         -0.750    -0.500               5.375        -0.625      -0.375       5.500      -0.375      -0.125       5.375      -0.625     -0.375         5.375        -0.625     -0.375
  5.375         -0.875    -0.625               5.500        -0.750      -0.500       5.625      -0.625      -0.375       5.500      -0.750     -0.500         5.500        -0.875     -0.625
  5.500         -1.125    -0.875               5.625        -1.000      -0.750       5.750      -0.875      -0.625       5.625      -0.875     -0.625         5.625        -1.000     -0.750
  5.625         -1.250    -1.000               5.750        -1.125      -0.875       5.875      -1.000      -0.750       5.750      -1.000     -0.750         5.750        -1.125     -0.875
  5.750         -1.375    -1.125               5.875        -1.250      -1.000       6.000      -1.125      -0.875       5.875      -1.250     -1.000         5.875        -1.250     -1.000
  5.875         -1.500    -1.250               6.000        -1.375      -1.125       6.125      -1.375      -1.125       6.000      -1.375     -1.125         6.000        -1.375     -1.125
  6.000         -1.500    -1.250               6.125        -1.500      -1.250     Margin    2.250                     Margin    2.750                      Margin      2.750
Margin       2.250                           Margin      2.250                     Cap:      5/2/5                     Cap:      2/2/6                      Cap:        5/2/5
Cap:         2/2/6                           Cap:        5/2/5                                                                                              Cap : 2/2/5 add +0.5
                                             Cap : 2/2/5 add +0.5
     CONF-TBILL 7/1                                                                                                                          PURCHASE / R & T
  RATE        10 DAY     25 DAY           All Agency Interest Only loans (Fixed and ARMs) MUST                             Owner Occ             2nd home          Non Owner
  5.250         0.500      0.750          have a minimum FICO score of 620, regardless of DU                             95%         1-2       SFR                90%         1-2
  5.375         0.125      0.375          findings.                                                                      80%         3-4      No Units            75%         3-4
  5.500        -0.250      0.000
  5.625        -0.375     -0.125
                                          Regardless of DU/LP approval, All Conventional loans that                                        CASH OUT REFINANCE
  5.750        -0.625     -0.375          require MI with LTV>95% (FLEX 100%, FLEX 97%), need a                          90%         1-2        SFR               85%         1-2
  5.875        -0.750     -0.500          minimum FICO of 620 or else they loan will not be                              75%         3-4      No Units            70%         3-4
  6.000        -1.000     -0.750          insurable with Private Mortgage Insurance. SWMC will not
  6.125        -1.125     -0.875          approve these type of loans.                                                               Conforming Loan Limits
Margin       2.750                                                                                                               1 Unit                         $417,000
Cap:         5/2/5                                                                                                               2 Units                        $533,850
                                                                                                                                 3 Units                        $645,300
                                                                                                                                 4 Units                        $801,950


                                                                     Adjustments for Conforming ARMS and Fixed Program
                                                                                               Fixed    Arm Price
Loan Parameter                                          FICO/LTV/CLTV Range                                                            Loan Amount Adjustments
                                                                                             Price Adj.   Adj.
Non-Escrowed Loans                                                                              0.250       0.250      $30,000-$40,000                                     +1.000
40 Year Term                                                                                    0.000       0.375      $40,001-$60,000                                     +0.750
FICO 660-679- >180 Months                               LTV > 70%                               0.750       0.750      $60,001-$80,000                                     +0.625
FICO 640-659- >180 Months                               LTV > 70%                               1.250       1.250      $80,001-$100,000                                    +0.500
FICO 620-639- >180 Months                               LTV > 70%                               1.750       1.750      $100,001-$160,000                                   +0.375
FICO < 620- >180 Months (Includes no fico)              LTV > 70%                               2.000       2.000      $160,001-$220,000                                   +0.250
Sub Financing -- Full Amortization                      LTV >65%, CLTV 90.01-95%                0.250       0.250      $220,001-$290,000                                   +0.125
Sub Financing -- Full Amortization                      LTV >75-90%, CLTV >75-90% FICO<720      0.250       0.250
Sub Financing -- Interest Only                          CLTV >75-90%                            0.500       0.500
Sub Financing -- Interest Only                          CLTV 90.01-95%                          0.500       0.500
Agency Interest Only - Fixed Rate                       LTV >90%                                0.125        n/a
Agency Interest Only - ARM                              FICO < 680                               n/a        0.125
Purchase or Rate/Term Refi                              LTV >90%                                0.000       0.250
Cash-Out Refinance                                      LTV 70.01-80%                           0.500       0.500
Cash-Out Refinance                                      LTV >80%                                0.750       0.750
2-Unit                                                  LTV >75%                                0.500       0.500
COOP Owner Occupied                                     LTV >90%                                0.250       0.250
COOP 2nd Home                                           LTV >80%                                0.375       0.375
Investment Property-Conf. 20/30/40 yr. FIX & ARM        LTV <= 75%                              0.750       0.750
Investment Property-Conf. 20/30/40 yr. FIX & ARM        LTV > 75%                               1.750       1.750
Investment Property-Conf. 10/15 yr. FIX                 LTV <= 75%                              0.250        n/a
Investment Property-Conf. 10/15 yr. FIX                 LTV > 75%                               1.250        n/a
My Community (All products/programs)                                                            1.000       1.000
FICO < 620                                                                                      0.500       0.500
                                                                                             Add .250 to Add .250 to
My Community 100+ or 2 Family
                                                                                                Rate        Rate

				
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