| Refinance Programs | Interest Rate | Points | FHA APR | Conventional APR |
| 97% LTV Conventional Refinance Program | 4.625% | 0-point Mortgage | | 5.257% |
| FHA Streamline Refinance Program with Lender Credit | 4.625% | 0-point Mortgage | 5.198% | |
| FHA Streamline Refinance Program without Lender Credit | 4.250% | 0-point Mortgage | 4.822% | |
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