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CURRENT MORTGAGE LOAN INTEREST RATES
(as of July 2006)

			0 Points *		1 Point *		2 Points *
			Interest Rate	APR	Interest Rate	APR	Interest Rate	APR

A. 15 Year Mortgage Loans
	1. "Fixed" Interest Rates		6.12%	6.20%	6.00%	6.05%	5.85%	5.95%
B. 30 Year Mortgage Loans
	1. "Fixed" Interest Rates		6.50%	6.54%	6.35%	6.38%	6.20%	6.28%
	2. "Adjustable" Interest Rates
		Adjusts Every Month (Intro Rate)	1.00%	5.85%	1.00%	5.70%	1.00%	5.55%
		"Fixed" For First Year, Then adjusts Each Year	5.50%	7.50%	5.35%	7.35%	5.20%	7.20%
		"Fixed" For First 3 Years, Then adjusts Each Year	5.65%	7.65%	5.50%	7.50%	5.35%	7.35%
		"Fixed" For First 5 Years, Then adjusts Each Year	5.80%	7.80%	5.65%	7.65%	5.50%	7.50%
		"Fixed" For First 7 Years, Then adjusts Each Year	6.00%	7.00%	5.85%	6.85%	5.70%	6.70%
		"Fixed" For First 10 Years, Then adjusts Each Year	6.25%	6.95%	6.10%	6.80%	5.95%	6.65%
C. 30 Year "FHA" Mortgage Loans
	1. "Fixed" Interest Rates		6.63%	6.66%	6.50%	6.52%	6.35%	6.38%
D. 30 Year "Interest Only" Mortgage Loans
	1. "Fixed" Interest Rates		6.50%	6.54%	6.35%	6.40%	6.20%	6.25%
	2. "Adjustable" Interest Rates
		"Fixed" For First 3 Years, Then adjusts Each Year	6.25%	7.50%	6.10%	7.35%	5.95%	7.20%
		"Fixed" For First 5 Years, Then adjusts Each Year	6.37%	7.44%	6.22%	7.30%	6.07%	7.15%
		"Fixed" For First 7 Years, Then adjusts Each Year	6.50%	7.75%	6.35%	7.60%	6.20%	7.45%
E. 40 Year Mortgage Loans
	1. "Fixed" Interest Rates		6.75%	6.79%	6.60%	6.62%	6.45%	6.48%
	2. "Adjustable" Interest Rates
		Adjusts Every Month (Intro Rate )	1.00%	5.85%	1.00%	5.70%	1.00%	5.55%
		"Fixed" For First Year, Then adjusts Each Year	5.60%	7.60%	5.45%	7.45%	5.30%	7.30%
		"Fixed" For First 3 Years, Then adjusts Each Year	5.75%	7.75%	5.60%	7.60%	5.45%	7.45%
		"Fixed" For First 5 Years, Then adjusts Each Year	5.90%	7.90%	5.75%	7.75%	5.60%	7.60%
		"Fixed" For First 7 Years, Then adjusts Each Year	6.10%	7.10%	6.00%	7.00%	5.85%	6.85%
F. 50 Year Mortgage Loans
	1. "Fixed" Interest Rates		7.00%	7.16%	6.85%	7.00%	6.70%	6.85%

* POINTS - Lenders allow the borrower to lower the interest rate on the Mortgage Loan by paying a fee up front at closing know as "Points". One "Point" equals 1% of the Principal amount of the Mortgage Loan. So 2 "Points" on a $200,000 loan is equal to $4,000. The greater the "Points" paid up front by the borrower, the lower the interest rate on the loan.

** Special "Intro" Rate - is a lower than current market interest rate this is offered for a specific short term period of time of 3 to 6 months.

"APR" Is the actual interest cost of the loan to the borrower when all the costs associated with the loan are taken into account. 50 Year Mortgage Loans are new and not available in all areas. Check with the local Mortgage Broker or Company to see if they offer the new 50 Year Loan yet.

NOTE - All interest rates listed above as subject to change and availability and may be withdrawn at anytime. The rates are for borrowers with high Credit Scores and conforming loan size. Rates will be higher for lower Credit Scores and larger size loans.

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For complete details and current interest rates e-mail:
CurrentRates@Mortgage2USA.com or use our "Visitor Info Request Form".

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