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CALIFORNIA Dept. of Real Estate License #01446811 www.dre.ca.gov

TEXAS Dept. of Savings and Mortgage Lending License # 68486 www.sml.state.tx.us

Mortgage Masters, Inc. specializes in mortgage loans, refinance loans, debt consolidation loans, equity loans, purchase loans, second mortgage, home equity loans, (heloc), real estate loans, purchase money loans, home loans, refinances, cash out loans, house loans, home mortgages, excellent credit loans, good credit loans, bad credit loans, fixed loans, low fixed rates, interest only loans, and low rate loans.

Rates	Points	APR
THEY DON'T CALL US MASTERS FOR NOTHING ! Mortgage Masters, Inc. offers a variety of loan programs to meet your needs. We work with leading Wall Street investors and securitizers, and the industry's biggest and best Portfolio Lenders in order to provide our customers with loans that have been specifically tailored to their needs. We offer a no nonsense, educative approach to mortgage lending. For YOU, the customer, it does not have to be a complex process. We simplify the process for you, whilst making absolutely sure you are getting the very best financial instrument we can obtain for you, at a very reasonable cost. We PERSONALIZE each of our mortgage solutions. Please call us to discuss which of our many available options would be best for you. We make a very thorough, detailed, careful and complex analysis in order to determine our personalized customer solutions. We believe that such important undertakings should be left to the MASTERS of the craft.

Conforming 3 Year ARM
Conforming 5 Year ARM
Conforming 7 Year ARM
Conforming 30 Year Fixed
Conforming 30 Year Fixed - 10 Year INTEREST ONLY PAYMENTS !!
Conforming 30 Year Fixed - 15 Year INTEREST ONLY PAYMENTS !!
Conforming 20 Year Fixed
Conforming 15 Year Fixed
Conforming 40 Year Fixed
Jumbo (Non-Conforming) 3 Year ARM - INTEREST ONLY PAYMENTS !!
Jumbo (Non-Conforming) 5 Year ARM
Jumbo (Non-Conforming) 5 Year ARM - INTEREST ONLY PAYMENTS !!
Jumbo (Non-Conforming) 7 Year ARM
Jumbo (Non-Conforming) 7 Year ARM - INTEREST ONLY PAYMENTS !!
Jumbo (Non-Conforming) 30 Year Fixed
Jumbo (Non-Conforming) 30 Year Fixed - 10 Year INTEREST ONLY PAYMENTS !!
Jumbo (Non-Conforming) 15 Year Fixed
Rates last updated on Tuesday, October 27, 2009
Conforming 3 Year ARM Term: 30 years Maximum Amount: $417,000
4.5%	1.75%	7.063%
4.625%	1.625%	7.091%
4.75%	1.375%	7.099%
4.875%	1.125%	7.107%
5%	0.875%	7.115%
5.125%	0.75%	7.135%
5.25%	0.625%	7.155%
5.375%	0.5%	7.175%
5.5%	0.25%	7.183%

Conforming 5 Year ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
4.625%	2%	6.715%
4.75%	1.75%	6.74%
4.875%	1.375%	6.753%
5%	1.25%	6.789%
5.125%	0.875%	6.802%
5.25%	0.625%	6.827%
5.375%	0.375%	6.852%
5.5%	0.25%	6.889%
5.625%	0%	6.914%

Conforming 7 Year ARM Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
4.75%	2.875%	6.846%
4.875%	2.5%	6.859%
5%	2.125%	6.872%
5.125%	1.75%	6.885%
5.25%	1.375%	6.898%
5.375%	1.125%	6.923%
5.5%	0.875%	6.949%
5.625%	0.5%	6.962%
5.75%	0.25%	6.987%
5.875%	0%	7.012%

Conforming 30 Year Fixed Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
5.25%	1.375%	5.466%
5.375%	1%	5.557%
5.5%	0.75%	5.661%
5.625%	0.625%	5.775%
5.75%	0.375%	5.878%

Conforming 30 Year Fixed - 10 Year INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
6.25%	2.125%	6.704%
6.375%	1.5%	6.769%
6.5%	0.75%	6.821%
6.625%	0.25%	6.897%
6.75%	0%	6.999%

Conforming 30 Year Fixed - 15 Year INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $417,000
Rates	Points	APR
6.25%	2.25%	6.717%
6.375%	1.625%	6.782%
6.5%	0.875%	6.833%
6.625%	0.375%	6.91%
6.75%	0%	6.999%

Conforming 20 Year Fixed Term: 20 years Maximum Amount: $417,000
Rates	Points	APR
5.75%	2%	6.323%
5.875%	1.5%	6.385%
6%	1%	6.446%
6.125%	0.625%	6.524%
6.25%	0.25%	6.602%
6.375%	0%	6.696%

Conforming 15 Year Fixed Term: 15 years Maximum Amount: $417,000
Rates	Points	APR
5.625%	2.25%	6.385%
5.75%	1.625%	6.409%
5.875%	1.125%	6.454%
6%	0.625%	6.499%
6.125%	0.125%	6.545%
6.25%	0%	6.651%

Conforming 40 Year Fixed Term: 40 years Maximum Amount: $417,000
Rates	Points	APR
6.25%	2.5%	6.67%
6.375%	1.875%	6.744%
6.5%	1.25%	6.818%
6.625%	0.75%	6.902%
6.75%	0.25%	6.986%
6.875%	0%	7.091%

Jumbo (Non-Conforming) 3 Year ARM - INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.75%	1.25%	7.593%
6.875%	0.625%	7.58%
7%	0.5%	7.619%
7.125%	0.375%	7.659%
7.25%	0.25%	7.698%
7.375%	0.125%	7.738%
7.5%	0%	7.778%

Jumbo (Non-Conforming) 5 Year ARM Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.125%	1%	7.309%
6.25%	0.75%	7.335%
6.375%	0.625%	7.373%
6.5%	0.5%	7.412%
6.625%	0.625%	7.476%
6.75%	0.25%	7.489%
6.875%	0%	7.516%

Jumbo (Non-Conforming) 5 Year ARM - INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.25%	1%	7.36%
6.375%	0.875%	7.399%
6.5%	0.75%	7.437%
6.625%	0.625%	7.476%
6.75%	0.5%	7.515%
6.875%	0.375%	7.554%
7%	0.25%	7.593%
7.125%	0%	7.62%

Jumbo (Non-Conforming) 7 Year ARM Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.375%	1%	7.411%
6.5%	0.75%	7.437%
6.625%	0.5%	7.463%
6.75%	0.375%	7.502%
6.875%	0.25%	7.541%
7%	0%	7.568%

Jumbo (Non-Conforming) 7 Year ARM - INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.5%	1%	7.463%
6.625%	0.75%	7.489%
6.75%	0.625%	7.528%
6.875%	0.5%	7.567%
7%	0.375%	7.606%
7.125%	0.25%	7.646%
7.25%	0%	7.672%

Jumbo (Non-Conforming) 30 Year Fixed Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.5%	1%	6.795%
6.625%	0.625%	6.885%
6.75%	0.375%	6.986%
6.875%	0%	7.075%

Jumbo (Non-Conforming) 30 Year Fixed - 10 Year INTEREST ONLY PAYMENTS !! Term: 30 years Maximum Amount: $650,000
Rates	Points	APR
6.375%	1.625%	6.731%
6.5%	1.25%	6.821%
6.625%	0.875%	6.91%
6.75%	0.625%	7.012%
6.875%	0.375%	7.113%
7%	0%	7.201%

Jumbo (Non-Conforming) 15 Year Fixed Term: 15 years Maximum Amount: $650,000
Rates	Points	APR
6%	1.125%	6.499%
6.125%	0.75%	6.565%
6.25%	0.375%	6.63%
6.375%	0%	6.695%

Fees & charges apply. Subject to underwriting approval. Not all applicants will be approved. Minimum credit score of 620 required. Full documentation & property insurance required. Loans are secured by liens against your property. Consolidating debts may increase the time and /or the total amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply. For example, as of 6/13/07, a $350,000 loan amount financed at 6.000% interest (6.473% APR) for 30 years, with 2.375 points discount, would result in 360 monthly principal and interest payments of $2,098.43. Your rate and term may vary. Rates subject to change without notice. Rates available on loan amounts from $250,001 to $417,000.
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 $4,170. 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 $650,000 with closing costs of $6,500. Your actual APR may be different depending upon these factors.