Scott D. McPhee

West Horizon Financial Inc.

SCOTT D. MCPHEE MLO-112663

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Rates	Points	APR
8/30/2010 we have 4.25% refinance or purchase with 0 loan fee 0 points (APR 4.351). West Horizon Financial Inc. offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry. Bellow are just a few of the products we provide. Most programs offer an interest only option and Jumbo pricing. Most programs offer FHA and VA pricing as well. West Horizon Financial is approved to originate FHA and VA loans. Please call for FHA rates. Loan Approval is not guaranteed and is subject to verification of specific information that requested at time of application. Specified rates may not be available for all borrowers. A negative (-) number indicates the amount of a rebate towards closing costs.

30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
10 Year Fixed Rate
7 Year ARM
5 Year ARM
3 Year ARM
Rates last updated on Monday, August 30, 2010
30 Year Fixed Rate Conforming Jumbo $417,050 to $567,500. Term: 30 years Maximum Amount: $417,000
3.75%	1.375%	4.05%
3.875%	0.5%	4.101%
4%	-0.125%	4.175%

20 Year Fixed Rate Term: 20 years Maximum Amount: $417,000
Rates	Points	APR
3.75%	0.75%	4.045%
3.875%	0.125%	4.097%
4%	-0.375%	4.165%

15 Year Fixed Rate Term: 15 years Maximum Amount: $417,000
Rates	Points	APR
3.375%	1.25%	3.826%
3.5%	0.25%	3.801%

10 Year Fixed Rate Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
3.5%	0.75%	3.743%
3.625%	0%	3.806%

7 Year ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
2.75%	0.375%	5.376%
2.875%	-0.125%	5.391%

5 Year ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
2.75%	-0.625%	5.615%

3 Year ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
2.75%	-0.5%	6.323%

Most programs offer an interest only option and Jumbo pricing. We have access to most every mortgage program on the market. If you have a specific program in mind and don't see it here, please contact Scott McPhee directly to get more information. All programs are available for first loans. Rates and fees are subject to change without notice.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $275,000 with closing costs of $6,250. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $600,000 with closing costs of $9,700. Your actual APR may be different depending upon these factors.