Conventional 30 Year Fixed Rate  Rate  APR  Points  6.500%  6.617%  0.750%  6.750%  6.844%  0.500% 15 Year Fixed Rate  Rate  APR  Points  5.500%  5.706%  0.875%  5.625%  5.832%  0.875% 5/1 ARM  Rate  APR  Points  8.250%  8.370%  0.000%