RESIDENTIAL FIXED CONFORMING-TO $359,650 
no prepay-30 day lock-fully documented-
no cash out

30 yr-5.875%-0 pts- APR 5.909, 30 day lock
30 yr-5.875%-0 pts-APR 5.909, cash out 30 day
15 yr-5.50%- 0 pts- APR 5.559, 30 day lock

Cheaper may be available if loan is submitted
& approved, if tax impounds accepted&
other inducements, or prepay penalties,
which vary by lender.*All above NO PREPAY!*
ALSO CHECK THE "RATES" BUTTON ON OUR
HOME PAGE.  
 
E mail us if you want a "rate watch notice"

More Specials Apply for FREE RESIDENTIAL FIXED "JUMBO" OVER $359,650 TO 650K-0 Pts-no pre pay 30 day lock-fully documented-no cash out 30 year- 6.25%- 0 pts-30 day-650K-APR 6.299 15 year- 6.125%- 0 pts-30 day-650K-APR 6.189 Call for "Stated Income" SUPER JUMBO OVER 650K 30 yr fixed- 6.25%-0 pts-APR 6.289-30 days to 1MIL, less if great credit score or 6.25%-0 pts-APR 6.289 for 1.0 to 1.3M 30 year-6.25%-0 pts-30 day-from 650K to 2 million, APR 6.289%, stated income ok. Requires Minimum FICOS of 720 & Max. LTV 79% ALSO CHECK THE "RATES" BUTTON ON OUR HOME PAGE. E mail us if you want a "rate watch notice."

More Specials Apply for FREE Home Equity Lines and Second Mortgages 1.Home Equity Lines Of Credit $75k to $500K FULL DOC Prime (6.75% today) @ 0 points then prime for life of the loan, APR 6.799%, and is based on the prime rate listed in the Wall Street Journal. Prime adjusts monthly, life cap 21.% Annual fee of $50.00, Max. LTV 90% 36 month early closure fee 1% or $400 which ever is less. Lender pays closing costs. Min. Credit Scores of 660 required(chf) Additional lines of credit available for borrowers with credit scores ranges from 620-659 with a maximum LTV of 80% Please call for pricing. $60,000 to $500,000 Prime rate(6.75% today)at 0 points for life of loan. APR 6.799%, and is based on the prime rate listed in the Wall Street Journal. The Prime rate adjusts monthly- Max LTV-89.9%, Life cap is 25%, Annual fee of $50 waived the first year. $350.00 early termination fee. No Closing Costs. Minimum credit score of 680 required. Different pricing will apply for scores below 680 or higher LTV than 89.9%.Please call for pricing. nc Stated Income HELOC to 200K loan amount Maximum CLTV 75%, Min. FICO 720, Max. combined liens can't exceed $750K Prime (6.75% today) + .25 margin = 7.00% 0 pts.APR 7.059%, and is based on the prime rate listed in the Wall Street Journal. Prime adjusts monthly, Annual fee $50.00 Rate cap is 21.00%, 36 month early closure fee 1% or $400 which ever is less. chf.No Closing Costs. Non owner HELOCS-call for quote nch Fixed rate seconds- call for details

More Specials Apply for FREE VARIOUS JUMBO 5/1 AND 3/1 ARMS BELOW: FIXED FOR THE FIRST 5 OR 3 YEARS, then rolls to a T-bill OR LIBOR rate for the remaining term. Quotes are fully documented no prepayment penalty, no cash out. Jumbo's only are quoted -- if you want conforming rates visit our home page @ www.capitalmortgage.biz and click on "Rates" or e mail us and we'll get them for you. GREAT NEW PRODUCT INTEREST ONLY 7/1. 6.25%, 0 points for 30 day lock, APR 6.299 to 650K GREAT NEW PRODUCT 30 Year fixed, with first 10 years of interest only payments. 6.50% @ 0 pts, 30 day lock, APR 6.559, no prepayment penalty, available for both full and stated income borrowers. INTEREST ONLY- LOW PYMTS: 30/5, 6.00% @ 0 Points for 30 days, APR 6.059, to $650K Minimum credit scores of 680 apply to both borrowers, fully documented only, Interest Only Low Pymts, 30/5, stated income--6.00% @ 0 point, 30 day lock, APR 6.059, to 1 million slight adjustment to LTV for stated income THIS LOAN IS ONLY FOR PERSONS WHOSE LOWEST CREDIT SCORE IS OVER 720! SCORE REQUIREMENTS APPLY TO BOTH BORROWERS. No prepayment penalty. Regular 30/5: 6.00%, 0 points, fixed 5 yrs, then LIBOR, no prepay to 650K, APR 6.059, 30 day lock-margin 2.250%, after conversion, 2% Max per yr. and 5% life cap, 30 year amortization period, full documentation only. Regular 30/5 STATED INCOME with cash out: 6.25%, 0 pts, to 650K, APR 6.279, 30 day lock, fixed 5 yrs, then adjusts monthly NON-OWNER OCCUPIED - 30/5 6.25%-0 pts,-30 day-650K-APR 6.279, Max LTV 64.9%. NEW 3/1 PRINCIPLE & INTEREST PAYMENTS ONLY Regular 30/3-fixed 3 yrs, then T bill-No Prepay, no cash out, 5.75%, 0 points to $650K, APR 5.799, 30 day lock 1 MONTH MTA A.R.M TO 1 MILLION 1% @ 0 pts, 30 day lock, no prepay penalty. APR. 6.563. Margin 3.40, life cap 9.95% Amortized over 30 years. Adjusts monthly, min. pmnt. recasts every 5 yrs or when principle exceeds 115%. For loans over 1 million please call for quote. 4 payment options: Minimum payment, interest only payment, principle & interest payment, principle & interest amortized over 15 yrs. **Please note that rates change frequently throughout the day without notice, as does the stock and bond market. Capital Mortgage, staff and officers, are not responsible for the commentary nor advise given, nor for changes in rates. This information is for informational purposes only.

Construction Apply for a Construction Loan for FREE CONSTRUCTION LOANS 1. OWNER OCCUPIED - CONSTRUCTION CALIF: Owner Occupied - Construction 30 year fixed to $359,650 6.00% @ 0 pts APR 6.069, 30 year fixed to 650K - 6.00% @ 0 pts, APR 6.069 One time close-interest only pymnts during construction rolls to permanent financing at completion Construction terms 6,9,12 months. 18 mos also available at a cost of .375 pts. (wc) 2. SPEC - BUILDERS NORTH BAY/MARIN CO SPEC-6.00% 1.50 pts term 12 mos. to 650K LTV or 85%loan to costs whichever is less single fam. or 1-4 units, no prepay[nb] 3. NORTH BAY/MARIN Improved Lots-5.75% Fixed-2 pts-1yr term or 6.20% Fixed-2 pts-2 yr term [nlb]Monthly interest only payments! 4. NORTH BAY/MARIN Lots & Land-6.00% @ 1.50 pts-12 mos term interest only 24 month term interest only 6.50% @ 1.50 pts(nb) 5. NORTH BAY/MARIN - Raw Land: 6.95% fixed- interest only 2 pts-1 yr APR 7.811 or 7.45% for 2 yrs. APR 8.891 [nlb] 6.INCOME PROPERTY, VINYARDS/BRIDGE LOANS NORTH BAY/MARIN RESIDENTIAL INCOME CONSTRUCT 5.50%, 1/1, fixed to 1.50M for 2 yrs, 2 pts free 30 yr term-3 yr PPP [plb] 7. NORTH BAY/MARIN COMMERCIAL CONST-5.45%@ 2 pts,fixed for 1 yr, 25 yr. Amort. 3 yr pre pay[plb] All Constr.Pre pay= 2% for 1st 3 yrs $500K to $999K

Commerical / Investment COMMERCIAL PURCHASE OR REFINANCE: SMALL APTS: 6.10% fixed for 3 yrs-1 pt- 1 to 7 MILL-1% PPP for 1st 3 yrs [plb] Apts. 6.60% Fixed for 3 years then 12 MAT ARM-prepay 3 yrs-500k to $999K -1 pt, 30 yr amort-10 to 30 yr. maturity Debt Service Ratio 1.20:1 Northern California only (plb) Now also includes Sonoma, Alameda, Contra Costa,& Solano Counties. COMMERCIAL OR MIXED USE PURCHASE OR REFI 7.875% fixed for 5 yrs. 30/15, APR 8.275% 1 pt. 1 TO 3 MILL w/1%- 4 yr prepay (TB) LARGE APTS:5+units-750K to 7 MILL(DSC 1.20%) 30/5 fix 1st 5 yrs @ 6.260% 2 pt, then adjusts, 3 yr prepay to 5 Million call for details[paf] ALSO-12MO ARM 4.29% start-2 pt, 5 Mil [af] Retail/Office/Mixed Use/Light Industrial/ Mini Warehouse/Single User/Commercial,etc: all fixed 30 yr/due in 10,fixed 3 yrs 5.770%, APR 6.779 fixed 5 yrs 6.630% APR 7.629 both 2 pts-3 yr prepay on most call for details[paf] MANY OTHER COMMERCIAL PROGRAMS AVAILABLE

Call for rates on more programs, cash out, no income verifiers, "no out of pocket costs" & others.