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Fixed Rate Mortgage: Home Mortgage Network of America, Inc.

Mortgage Rates Effective May 16, 2008 Current Rates:
Products	Conforming		Jumbo		Max. LTV	Origination Fee	Points
Products	Rate	APR(e)	Rate	APR(e)	Max. LTV	Origination Fee	Points
30 Year Fixed	5.875%	5.902%	8.250%	8.272%	95%	-0-	-0-
40 Year Fixed	6.500%	6.527%	N/A	N/A	95%	-0-	-0-
15 Year Fixed	5.500%	5.522%	8.125%	8.139%	95%	-0-	-0-
80/20-No MI	6.375%	6.402%	8.500%	8.514%	100%	-0-	-0-
30 Year Fixed Interest Only	6.375%	6.402%	8.500%	8.514%	90%	-0-	-0-
Stated Inc. Ver. Assets 30 Yr. Fixed	6.500%	6.527%	7.775%	7.772%	75%	-0-	-0-
Stated Income Ver, Assets 30 Yr. Fixed	6.750%	6.777%	7.875%	7.897%	90%	-0-	-0-
No Ratio 30 Yr. Fixed	6.500%	6.527%	N/A	N/A	75%	-0-	-0-
No Ratio 30 Yr. Fixed	6.875%	6.402%	N/A	N/A	90%	-0-	-0-
No Income No Asset 30 Year Fixed	6.625%	6.652%	N/A	N/A	75%	-0-	-0-
No Income No Asset 30 Year Fixed	7.000%	7.027%	N/A	N/A	90%	-0-	-0-
Stated Inc. Ver. Assets 80/20	7.000%	7.027%	N/A	N/A	80%	-0-	-0-
VA	6.250%	6.277%	N/A	N/A	100%	-0-	-0-

Note: Conforming rates & APR are based on a mortgage amount of $400,000 and jumbo rates and APR are based on a $600,000 mortgage with an 80% loan-to-value or less. No point/no origination fee mortgages are based on a minimum mortgage amount of $175,000. All rates, fees, programs are subject to change without notice. Income, credit, down payment and specific underwriting criteria may apply. Conforming mortgages are loan amounts up to $417,000 and jumbo mortgages are for mortgage amounts over $417,000.

For fixed rate "cash-out" refinances >70% loan-to-value, add .125% to the stated rate and for "cash-out" refinances from 80-90% loan-to-value add .25% to the stated rates.

* Certain income, credit, and specific underwriting criteria may apply. ** First mortgage at the above quoted rate. Second mortgage at 7.50%(E) amortized for 30 years and due in 15 years.

Please call us at 1-800-803-8008 for details.