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Rates	Points	APR
Closing costs quoted below do not include title insurance which is dependent on actual loan amount. Minimum credit scores and loan amounts apply. Rate and APR based on <=80% LTV/CLTV. CALL FOR INFO ON MORTGAGES WITH LESS THAN 5% DOWN. Newton Mortgage Company, Inc offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: No closing cost loans at a slightly higher rate, Fannie Mae and/or Freddie Mac Neighborhood Champions, Neighborhood Advantage, My Community, Flex 100 and Home Possible programs. We have Full Doc and Stated Income loans, Jumbo loans to $3MM and an interest only payment option. Call for information and rate quotes. Not all rate/point/cost variations are quoted here. Call to find out how we can customize your deal. Conforming loan limits: 1-family-$417,000, 2-$533,850, 3-$645,300, 4-$801,950 Minimum credit scores apply on most loan products.

NO CLOSING COST 30 year fixed conforming
30 year fixed Conforming, min 20% down
30 year fixed Conforming Interest Only
30 year fixed Conforming, 80/10 Combo with 10% down.
2nd Mortgage for 80/10 Combo
30 year fixed Conforming, 90% One Loan, 10% DOWN, NO MORTGAGE INSURANCE
15 year fixed Conforming
5/1 Libor Jumbo ARM
10/1 Libor Jumbo ARM
30 year fixed Jumbo
Rates last updated on Tuesday, June 17, 2008
NO CLOSING COST 30 year fixed conforming Minimum loan amout at this rate is $250,000. Call for qoutes on lesser loan amounts. Term: 30 years
6.125%	0%	6.212%

30 year fixed Conforming, min 20% down Term: 30 years
Rates	Points	APR
6.125%	2%	6.373%
6.625%	0%	6.682%

30 year fixed Conforming Interest Only Term: 30 years
Rates	Points	APR
6.875%	0.5%	6.983%

30 year fixed Conforming, 80/10 Combo with 10% down. NO MORTGAGE INSURANCE. 2nd Mortgage info below. CALL FOR RATES ON 0% DOWN 80/20 COMBO. Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
6.625%	0%	6.682%

2nd Mortgage for 80/10 Combo Home Equity Line of Credit, 5 MONTH INTRO RATE, THEN PRIME PLUS 1.50% TO 3%, depending on $ amount of cedit line. Term: 15 years Maximum Amount: $100,000
Rates	Points	APR
4.25%	0%	4.312%

Payment based on 30 year term. (30/15 balloon)

30 year fixed Conforming, 90% One Loan, 10% DOWN, NO MORTGAGE INSURANCE Minimum credit scores apply Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
7.125%	0%	7.184%

15 year fixed Conforming Term: 15 years
Rates	Points	APR
5.875%	1%	6.125%
6.375%	0%	6.468%

5/1 Libor Jumbo ARM Minimum loan amount > $417,000. Call for rates for loan amounts >$605k to $2MM. 1 year prepayment penalty. Term: 30 years Maximum Amount: $2,000,000
Rates	Points	APR
5.875%	0%	7.211%

10/1 Libor Jumbo ARM Minimum loan amount = $417000; Maximum loan amount $1,000,000 For loans amounts >$1MM up to $3MM, CALL FOR RATES. Term: 30 years Maximum Amount: $1,000,000

30 year fixed Jumbo Loans >$1,000,000, CALL FOR RATES. Term: 30 years Maximum Amount: $100,000
Rates	Points	APR
6.625%	0.25%	6.673%


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $2,448. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $2,448. Your actual APR may be different depending upon these factors.