Average Monthly Interest Chart

   Interest   Average Monthly Interest
   Rate (%)   Factor
   --------   ----------------------------------
              15 Years    20 Years    30 Years
              ----------------------------------
    4.25        .460        .564        .714
    4.5         .480        .584        .735
    4.75        .498        .604        .753
    5           .516        .623        .771
    5.25        .533        .641        .787
    5.5         .550        .658        .802
    5.75        .566        .674        .816
    6           .581        .689        .829
    6.25        .596        .704        .841
    6.5         .610        .718        .853
    6.75        .624        .732        .863
    7           .638        .744        .873
    7.25        .650        .756        .882
    7.5         .663        .768        .890
    7.75        .675        .779        .898
    8           .686        .789        .905
    8.25        .697        .799        .912
    8.5         .708        .809        .918
    8.75        .718        .818        .924
    9           .728        .827        .929
    9.25        .738        .835        .934
    9.5         .747        .843        .939
    9.75        .756        .850        .943
   10           .765        .857        .947
   10.25        .773        .864        .951
   10.5         .781        .870        .954
   10.75        .789        .876        .958
   11           .796        .882        .961
   11.25        .804        .888        .963
   11.5         .811        .893        .966
   11.75        .817        .898        .968
   12           .824        .903        .971
   12.25        .830        .908        .973
   12.5         .836        .912        .975
   12.75        .842        .916        .976
   13           .847        .920        .978
   13.25        .853        .824        .980
   13.5         .858        .927        .981
   13.75        .863        .931        .982
   14           .868        .934        .984

Kokopelli Real Estate^™

Brenda Wilson

brendawillsell@erakokopelli.com