as of 5/13/2008

Special Residential Lot Financing

Conforming First Mortgage - Adjustable Rates¹ (Loan Amounts up to $417,000)
TERM	ORIGINATION FEE	DISCOUNT POINTS	INVESTOR POINTS	NOTE PERCENTAGE RATE	ANNUAL PERCENTAGE RATE3
1-Year CMT ARM Annual adjustable with 2/2/6 CAPS: Convertible: Index 1 Year CMT*
30 Years	0	0	0.25	3.750%	4.478%
3/1 CMT ARM Annual adjustable with 2/2/6 CAPS: Nonconvertible: Index 1 Year CMT*
40 Years	0	0	0.25	4.875%	4.609%
3/1 CMT ARM Annual adjustable with 2/2/6 CAPS: Nonconvertible: Index 1 Year CMT*
30 Years	0	0	0.25	4.750%	4.602%
5/1 CMT ARM Fixed/Adjustable with 2/2/6 CAPS: Nonconvertible: Index 1 Year CMT*
40 Years	0	0	0.25	5.375%	4.811%
5/1 CMT ARM Fixed/Adjustable with 2/2/5 CAPS: Nonconvertible: Index 1 Year CMT*
30 Years	0	0	0.25	5.250%	4.824%
7/1 CMT ARM Fixed/Adjustable with 5/2/5 CAPS: Nonconvertible: Index 1 Year CMT*
40 Years	0	0	0.25	5.625%	5.010%
7/1 CMT ARM Fixed/Adjustable with 5/2/5 CAPS: Nonconvertible: Index 1 Year CMT*
30 Years	0	0	0.25	5.500%	5.039%

Conforming First Mortgage - InterestFirstTM (Loan Amounts up to $417,000)
TERM	ORIGINATION FEE	DISCOUNT POINTS	INVESTOR POINTS	NOTE PERCENTAGE RATE	ANNUAL PERCENTAGE RATE3
Interest/Principal & Interest: 20 Yr. Am.
10/20 Fixed	0	0	0.25	6.475%	6.566%
Interest/Principal & Interest: 15 Yr. Am.
15/15 Fixed Rate	0	0	0.25	6.500%	6.614%
²Fixed/Adjustable with 2/2/6 CAPS: Nonconvertible: 27 Yr. Am.: Index 1 Year LIBOR***
3/1 LIBOR ARM	0	0	0.25	4.875%	5.107%
²Fixed/Adjustable with 2/2/5 CAPS: Nonconvertible: 25 Yr. Am.: Index 1 Year LIBOR***
5/1 LIBOR ARM	0	0	0.25	5.375%	5.259%
²Fixed/Adjustable with 5/2/5 CAPS: Nonconvertible: 23 Yr. Am.: Index 1 Year LIBOR***
7/1 LIBOR ARM	0	0	0.25	5.625%	5.408%
²Fixed/Adjustable with 5/2/5 CAPS: Nonconvertible: 20 Yr. Am.: Index 1 Year LIBOR***
10/1 LIBOR ARM	0	0	0.25	6.125%	5.795%

Conforming First Mortgages - Alt A (Custom Low Doc)

Please contact us at (505) 662-5171 for current rates.

The above Interest Rates are subject to change without prior notice. Daily Mortgage Interest Rate Graph Apply online for a Mortgage Loan**** Contact a Mortgage Loan Officer Should I Consider Refinancing My Mortgage? ¹Rates are subject to increase after consummation. Margin 2.5 ²Rates are subject to increase after consummation. Margin 2.000 ³The A.P.R. calculation is based on a loan amount of $150,000 for the purchase of a primary residence, with 80% Loan-to-value (LTV), approximately 15 days prepaid interest, $350 title settlement fees, $11.75 flood determination fee, plus points shown for a 25 day lock. *CMT: Treasury security adjusted to a constant maturity. **Rates for Loan Amounts greater than $650,000 available upon request. ***LIBOR: London Interbank Offer Rate ****The Los Alamos National Bank Mortgage loan application is hosted at a different location. The above link will take you to there.