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									           Chase




                                                                  Rates valid from 12/28/2005 to 01/03/2006
                                                        Account Executive - Thomas Marsh - (804) 307-0143
                                                                        District of Columbia, Maryland, Virginia (Northern)

                        STANDALONE Home Equity Loans and Lines of Credit
NO Closing Cost Standalone Lines of Credit
National City pays third party closing costs. Early termination fee may apply. See page 3 for details.

                                                                                                 Margin Over Prime
 CLTV       GRADE         FICO          DTI          $70,000 - $500,000*                     $30,000 - $69,999                        $10,000 - $29,999                               Additional
                                                          $750 Fee to Broker                      $500 Fee to Broker                       $500 Fee to Broker                          program
     Yield Spread Premium                           Par         -0.25          -0.5         Par          -0.25       -0.5           Par         -0.25           -0.5                    details,
          A+
                  700     50%
                                                   0.00%        0.25%        0.50%       1.00%        1.25%         1.50%      2.50%           2.75%        3.00%                  maximum loan
                  680     45%
89.9%                                                                                                                                                                              amounts and
               A           660          45%        0.25%        0.50%        0.75%       1.25%        1.50%         1.75%      2.75%           3.00%        3.25%                   Add-Ons for
  80%          A         640 to 659     45%        0.25%        0.50%        0.75%       1.25%        1.50%         1.75%      2.75%           3.00%        3.25%                    all loan and
               A+          700          45%        0.50%        0.75%        1.00%       1.50%        1.75%         2.00%      3.00%           3.25%        3.50%
                                                                                                                                                                                    line of credit
  95%                                                                                                                                                                               products on
               A           680          40%        0.75%        1.00%        1.25%       1.75%        2.00%         2.25%      3.25%           3.50%        3.75%                       page 3
 100%          A+          720          40%        1.00%        1.25%        1.50%       2.00%        2.25%         2.50%      3.50%           3.75%        4.00%



LOW Closing Cost Standalone Lines of Credit
Borrower pays all closing costs including $5 flood certification and $12 AVM, if applicable. No early termination fee.

                                                                                                               Margin Over Prime
 CLTV       GRADE         FICO          DTI      6-Month
                                                  INTRO
                                                                  $70,000 - $500,000*                      $30,000 - $69,999                       $10,000 - $29,999
                                                  Margin               $750 Fee to Broker                      $500 Fee to Broker                      $500 Fee to Broker
         Yield Spread Premium                                    Par         -0.25          -0.5         Par        -0.25           -0.5         Par         -0.25          -0.5
 89.9%                      700          50%
               A+           680          45%       None        -0.25%        0.00%       0.25%        0.00%         0.25%      0.50%
Without
INTRO          A           660          45%        None         0.00%        0.25%       0.50%        0.25%         0.50%      0.75%
  80%          A         640 to 659     45%        None         0.00%        0.25%       0.50%        0.25%         0.50%      0.75%
  89.9%                     700          50%
               A+           680          45%      -1.00%        0.00%        0.25%       0.50%        0.25%         0.50%      0.75%           2.00%        2.25%       2.50%
   With
 INTRO         A           660          45%       -1.00%        0.25%        0.50%       0.75%        0.50%         0.75%      1.00%           2.25%        2.50%       2.75%
  80%          A         640 to 659     45%       -1.00%        0.25%        0.50%       0.75%        0.50%         0.75%      1.00%           2.25%        2.50%       2.75%
               A+          700          45%       -1.00%        0.50%        0.75%       1.00%        0.75%         1.00%      1.25%           2.50%        2.75%       3.00%
  95%
               A           680          40%       -1.00%        0.75%        1.00%       1.25%        1.00%         1.25%      1.50%           2.75%        3.00%       3.25%
 100%          A+          720          40%       -1.00%        1.00%        1.25%       1.50%        1.25%         1.50%      1.75%           3.00%        3.25%       3.50%


          STANDALONE Line of Credit Broker Compensation: $750 + YSP for lines of $70,000 or more, $500 + YSP for lines under $70,000
                  Maximum YSP on lines is 0.50%. Maximum compensation from National City including flat fee and YSP is $2,000


Fixed-Rate Standalone Loans
Borrower pays all closing costs including $75 processing fee,$5 flood certification and $12 AVM, if applicable. Prepayment penalty may apply. See page 3 for
details.

                                                           $50,000 - $500,000*                                    $25,000 - $49,999                                    $10,000 - $24,999
 CLTV       GRADE         FICO          DTI
                                                    Par           -1           -2           -3           Par           -1           -2            -3            Par         -1       -2      -3
                            700          50%
               A+           680          45%      7.250% 7.750% 8.250% 8.750% 7.625% 8.125% 8.625% 9.125%                                                  8.625% 9.125% 9.625% 10.125%
89.9%
               A           640         45%        7.500% 8.000% 8.500% 9.000% 7.875% 8.375% 8.875% 9.375%                                                  8.875% 9.375% 9.875% 10.375%
               A+          700         45%        7.750% 8.250% 8.750% 9.250% 8.125% 8.625% 9.125% 9.625%                                                  9.125% 9.625% 10.125% 10.625%
  95%
               A           660         40%        8.000% 8.500% 9.000% 9.500% 8.375% 8.875% 9.375% 9.875%                                                  9.375% 9.875% 10.375% 10.875%
 100%          A+          720         40%        8.250% 8.750% 9.250% 9.750% 8.625% 9.125% 9.625% 10.125% 9.625% 10.125% 10.625% 11.125%



                                  Add-Ons for Loans and Lines of Credit (see page 3 for details)
     Stated Income: add 0.25% to rate                                      Second Home add 0.25% to rate                                        Investment Property: add 1.00% to rate

           Chase                                                                                     page 1 of 3
                                                                   Rates valid from 12/28/2005 to 01/03/2006
                                                        -- Account Executive - Thomas Marsh - (804) 307-0143

                                                                          District of Columbia, Maryland, Virginia (Northern)

              OWNER'S CHOICE® (PIGGYBACK) Loans and Lines of Credit
   OWNER'S CHOICE® (PIGGYBACK) - a second mortgage loan or line of credit closed simultaneously with, or registered within 30
           days of a purchase or refinance and closed within 90 days of NCHE registration. No early termination fees.

NO Closing Cost Piggyback Lines of Credit
National City pays third party closing costs. No early termination fee.

                                                                                                   Margin Over Prime
 CLTV       GRADE          FICO          DTI          $60,000 - $500,000*                      $25,000 - $59,999                       $10,000 - $24,999                               Additional
                                                           $500 Fee to Broker                       $500 Fee to Broker                      $500 Fee to Broker                          program
         Yield Spread Premium                        Par         -0.25          -0.5          Par        -0.25        -0.5           Par         -0.25           -0.5                    details,
                A+
                            700          50%
                                                   0.00%        0.25%         0.50%       1.00%         1.25%        1.50%      2.50%           2.75%        3.00%                  maximum loan
                            680          45%
89.9%                                                                                                                                                                               amounts and
                A          660          45%        0.25%        0.50%         0.75%       1.25%         1.50%        1.75%      2.75%           3.00%        3.25%
                                                                                                                                                                                     Add-Ons for
  80%           A        640 to 659     45%        0.25%        0.50%         0.75%       1.25%         1.50%        1.75%      2.75%           3.00%        3.25%                    all loan and
                A+         700          45%        0.50%        0.75%         1.00%       1.50%         1.75%        2.00%      3.00%           3.25%        3.50%                   line of credit
  95%                                                                                                                                                                                products on
                A          680          40%        0.75%        1.00%         1.25%       1.75%         2.00%        2.25%      3.25%           3.50%        3.75%
                                                                                                                                                                                         page 3
 100%           A+         720          40%        1.00%        1.25%         1.50%       2.00%         2.25%        2.50%      3.50%           3.75%        4.00%


LOW Closing Cost Piggyback Lines of Credit
Borrower pays all closing costs including $5 flood certification. No early termination fee.

                                                                                                                Margin Over Prime
 CLTV       GRADE          FICO          DTI      6-Month
                                                   INTRO
                                                                   $60,000 - $500,000*                      $25,000 - $59,999                       $10,000 - $24,999
                                                   Margin               $500 Fee to Broker                      $500 Fee to Broker                      $500 Fee to Broker
         Yield Spread Premium                                     Par          -0.25          -0.5        Par        -0.25           -0.5         Par         -0.25          -0.5
 89.9%                      700          50%
                A+          680          45%        None        -0.25%        0.00%       0.25%         0.00%        0.25%      0.50%
Without
INTRO           A          660          45%         None        0.00%         0.25%       0.50%         0.25%        0.50%      0.75%
  80%           A        640 to 659     45%         None        0.00%         0.25%       0.50%         0.25%        0.50%      0.75%
  89.9%                     700          50%
                A+          680          45%       -1.00%       0.00%         0.25%       0.50%         0.25%        0.50%      0.75%           2.00%        2.25%       2.50%
   With
 INTRO          A          660          45%        -1.00%       0.25%         0.50%       0.75%         0.50%        0.75%      1.00%           2.25%        2.50%       2.75%
  80%           A        640 to 659     45%        -1.00%       0.25%         0.50%       0.75%         0.50%        0.75%      1.00%           2.25%        2.50%       2.75%
                A+         700          45%        -1.00%       0.50%         0.75%       1.00%         0.75%        1.00%      1.25%           2.50%        2.75%       3.00%
  95%
                A          680          40%        -1.00%       0.75%         1.00%       1.25%         1.00%        1.25%      1.50%           2.75%        3.00%       3.25%
 100%           A+         720          40%        -1.00%       1.00%         1.25%       1.50%         1.25%        1.50%      1.75%           3.00%        3.25%       3.50%


                                       OWNER'S CHOICE (PIGGYBACK) Line of Credit Broker Compensation: $500 + YSP
                                  Maximum YSP on lines is 0.50%. Maximum compensation from National City including flat fee and YSP is $2,000




Fixed-Rate Piggyback Loans
Borrower pays all closing costs including $75 processing fee and $5 flood certification. No prepayment penalty.

                                                            $50,000 - $500,000*                                    $25,000 - $49,999                                    $10,000 - $24,999
 CLTV       GRADE          FICO          DTI
                                                     Par           -1           -2            -3          Par            -1          -2            -3            Par         -1       -2      -3
                            700          50%
               A+           680          45%      7.125% 7.625% 8.125% 8.625% 7.500% 8.000% 8.500% 9.000%                                                   8.500% 9.000% 9.500% 10.000%
89.9%
                A          640          45%       7.375% 7.875% 8.375% 8.875% 7.750% 8.250% 8.750% 9.250%                                                   8.750% 9.250% 9.750% 10.250%
               A+          700          45%       7.625% 8.125% 8.625% 9.125% 8.000% 8.500% 9.000% 9.500%                                                   9.000% 9.500% 10.000% 10.500%
  95%
                A          660          40%       7.875% 8.375% 8.875% 9.375% 8.250% 8.750% 9.250% 9.750%                                                   9.250% 9.750% 10.250% 10.750%
 100%          A+          720          40%       8.125% 8.625% 9.125% 9.625% 8.500% 9.000% 9.500% 10.000% 9.500% 10.000% 10.500% 11.000%




                                   Add-Ons for Loans and Lines of Credit (see page 3 for details)
     Stated Income: add 0.25% to rate                                        Second Home add 0.25% to rate                                       Investment Property: add 1.00% to rate
                                                                                                       page 2 of 3
  #N/A    3 pages




                                                          Rates valid from 12/28/2005 to 01/03/2006
                                                    -- Account Executive - Thomas Marsh - (804) 307-0143
                                                                    District of Columbia, Maryland, Virginia (Northern)
               Additional Programs / Price Add-ons for Fixed-Rate Loans and Lines of Credit
                                            *Maximum loan / line amount $350,000 unless otherwise noted below
Expanded            $350,001-$500,000 maximum                              3-4 Unit        $350,000 maximum
Maximum             89.9% CLTV / 700 FICO / 45% DTI              NO Add     Primary         89.9% CLTV / 680 FICO / 45% DTI                                                NO Add
                     Primary Res.: SFR / CONDO / PUD only         to rate                   Full doc only                                                                   to rate
                                                                            Residence
Stated Income $200,000 maximum                                                             1-4 Unit                $200,000 maximum amount
 Primary Residence: 89.9% CLTV / 720 FICO / 45% DTI                                         Investment              89.9% CLTV / 700 FICO / 45% DTI
                    85% CLTV / 700 FICO / 45% DTI                            Add .25%                               80% CLTV / 680 FICO / 45% DTI                        Add 1.00%
1-2 unit, condo,                                                                            Property
PUD                 Self Employed or commissioned only                        to rate                              Full doc only. Max fin. properties=prim. res + 4        to rate
                    U.S. Citizen Only or Perm. Res. Alien w/ Green                                                 Max. 1 owner occ. & 1 investment financed with
                   Card                                                                                            NCHE
Second              $350,000 maximum                                                       100% CLTV               $250,000 maximum
Home                89.9% CLTV / 680 FICO / 45% DTI                          Add .25%       Primary Residence:      720 FICO / 40% DTI
                     Full doc only                                            to rate       1-2 Unit, condo, PUD    Full doc only



                                                Line of Credit Fixed Rate Lock (FRL) Option Pricing
                                                            3-yr T
                                             FRL Term       Index        + Margin    = FRL Rate        Add Line Margin
                                    5-year FRL              4.500         3.500         8.000          + Line Margin                        3-year Treasury Index is valid
                                                            4.500         3.750                        + Line Margin                         for transactions posting to
                       7-year I/O Balloon FRL                                           8.250
                                                                                                                                               the line in January, 2006
                                   10-year FRL              4.500         3.750         8.250          + Line Margin
                                   15-year FRL              4.500         4.000         8.500          + Line Margin
                                   20-year FRL              4.500         4.500         9.000          + Line Margin


                                     Additional Information for Fixed-Rate Loans and Lines of Credit
Not permitted for use as interim financing (bridge, swing loans).
-- Maximum loan/line amount $350,000 unless otherwise noted above in the Additional Programs section
-- Refi of an existing NCHE loan/line does not qualify for NCHE compensation within 3 months of origination. Refer to manual for 4-12 month restrictions.
-- Neg Am. 1st Mtg: No gross up required to 89.9% CLTV
-- No Bankruptcy in the past 7 years / No mortgage lates in the past 12 months




                                                                 Maximum Total Liens:
                                      100% CLTV to $750,000 / 95% CLTV to $1,000,000 / 89.9% CLTV to $1,500,000 /
                  85% CLTV to $2,000,000 / 80% CLTV to $2,500,000 / No Limit for 70% CLTV / (Investment Property 89.9% CLTV to $900,000)

     National City Equity Reserve Lines of Credit                                                                           Fixed-Rate Loans
                        (National City Pays Third Party Closing Costs)
-- Heloc Qualifying payment: Prime+2% Interest Only                                        -- Fixed Rate Terms: 5 - 20 years, 30/15 balloon
 -- Prime Rate: 7.25 %                                                                      -- 60 Day Rate Lock (indicate lock or float on submission form)
 -- Margin locked for 60 days at application                                                -- Maximum Loan Yield Spread Premium is the lesser of 3% or $3,000
 -- $50 Annual Fee Waived First Year                                                        -- Maximum compensation not to exceed the lesser of 4.5% or $5,000, which
 -- 18% maximum rate cap / 3% minimum floor rate                                           includes broker fees, YSP, discount points and $75.00 processing fee
 -- Maximum compensation not to exceed the lesser of 4.5% or $5,000                         -- Fixed-Rate Loan Rate Buy Downs available at 0.125% to .50 points, Buy ups
 -- Maximum compensation from National City not to exceed $2,000                           available at .125% to .25 points
 -- Maximum YSP 0.50%, subject to limit on total comp. from National City
 -- Early Termination Fee: No Early Termination Fee on No Closing Cost                      --No Prepayment Penalty
Piggyback and All Low Closing Cost Lines. $350 for 36 months on No Closing
Standalone Lines (not charged in GA, MN, NJ, NM, and NC).




                                                                                        Highlights
                                      Thank You for Helping Make 2005 Another Great Year.
                                Have a Safe and Happy Holiday Season and a Prosperous New Year!


            RATES SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION IS INTENDED FOR BUSINESS AND PROFESSIONAL USERS ONLY AND IS NOT TO BE PROVIDED TO CONSUMERS OR THE PUBLIC.

                                                                                                                                    Team # 19 Fax #
     National City Home Equity                                           Web: www.nationalcityhomeequity.com                         (888) 540-7720
     6750 Miller Road - Locator #7180                                    Phone: (p) 877-219-8424 / Processing Center
     Brecksville, Ohio 44141
                                                                                           page 3 of 3

								
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