Credit Union 15 Year Mortgage Rates

							IMPORTANT INFORMATION: PLEASE READ IMMEDIATELY
ATTENTION: CREDIT UNION FAMILY                                                                                     November 21, 2010

 Rate Sheet Link


                                                                     GREAT RATES!!!!

Please look closely at the Rate Sheets as they come in each day. Rates are incredible and within small percentages of all time
lows. Call the old loans in your pipeline that were waiting on rates to get lower. They are here and the time is now.

I listened to an economist at the CEO Conference in Tennessee last week that predicts rates will rise after the year end.
If he is correct, don't let your members miss this chance!!! Call me if you want help with your pipeline. I am glad to serve
you and your members.

The mortgage industry continues to lose some of its' once biggest and most recognized lenders as this year continues. These
unfortunate lender shut downs can also be the gain of your credit union because you work with Greentree Mortgage. The
most recent lender to close affected financial institutions around the country, particularly in the southeast. This means the
community banks and brokers in your area that you compete with have lost an outlet for conventional, FHA, VA and USDA
Rural Housing loans. Let your membership know that you can serve their needs without worry.

Even if you are not licensed for FHA, VA or Rural Housing, we have a Retail referral program that works to serve you and
your members so don't exclude any loan opportunity. Call Steve Von Mann today at 615-397-3091 and let's discuss how we
can help you market to your members and why they should be working with the credit union. The industry is changing
and that can be the biggest advantage credit unions have. The time is now. Call today!!




                                                      CONTACT INFORMATION

                                                     Steve Von Mann - Account Executive
                                                       (800) 499-9913 or (866) 728-3395
                                                         SVonMann@GreentreeMortgage.com



This information is for use by mortgage professionals only and should not be distributed to or used by consumers
or other third parties. Information is accurate as of date of printing and is subject to change without notice
                                        November 21, 2010

                                     30, 25 and 20 Year Fixed
                NOTE                                              DISCOUNT
                RATE                                               POINTS
                4.750                                                  1.000
                4.875                                                  0.000
           LOCK EXPIRATION                                             6-Dec-10

                                       15 and 10 Year Fixed
                NOTE                                              DISCOUNT
                RATE                                               POINTS
                4.250                                                  1.000
                4.375                                                  0.000
           LOCK EXPIRATION                                             6-Dec-10



                                   **BASE RATES ONLY**
                     Purchase, Rate/Term and Cash Out Refinances Available
                         First Time Homebuyer Programs Available Also
              Pricing Adjustments May Apply Relating to Loan Amount, Credit Score,
                         Property Type, Loan Purpose, Loan to Value, etc.

        For specific questions related to interest rates, programs offered, product guidelines,
        or loan scenarios, please contact JIM LANGAN toll free @ 800/717-0582 or email to
                                    JLangan@MtgResourceCenter.com
                                       ACCOUNT EXECUTIVES
           Steve Von Mann
            (866) 728-3395                       toll free
    SVonMann@GreentreeMortgage.com                email
                                      VISIT US ON THE WEB
                                     WWW.MtgResourceCenter.com



11/21/2010 5:15 PM                MORTGAGE RESOURCE CENTER                                        Page 2