First Mortgage Rates 30-Year Fixed Rate  Rate  APR  Points  7.125%  7.237%  0.000% Options 30 Year Fixed  Rate  APR  Points  7.375%  7.489%  0.000% Opportunity 30 Year Fixed  Rate  APR  Points  8.000%  8.118%  0.000% 20-Year Fixed Rate  Rate  APR  Points  6.875%  7.019%  0.000% Options 20 Year Fixed  Rate  APR  Points  7.125%  7.271%  0.000% Opportunity 20 Year Fixed  Rate  APR  Points  7.750%  7.900%  0.000% 15-Year Fixed Rate  Rate  APR  Points  6.625%  6.803%  0.000% Options 15 Year Fixed  Rate  APR  Points  6.875%  7.055%  0.000% Opportunity 15 Year Fixed  Rate  APR  Points  7.500%  7.683%  0.000% Home Equity Home Equity Line of Credit - 1st lien  Rate  APR  Points  8.500%  8.500%  0.000%