We think we will see another rate decrease, however, because of resurfacing troubles in Europe and recent
signs of economic weakness in the U.S. * The above rate quote has the following assumptions: $ 400,000 Loan Amount; 20 % down payment; credit score above 740; property is SFR; borrower has sufficient income to qualify; APR is approximately 0.20 % higher than quoted rate for a $ 400,000 loan.