*Rates: Wednesday, March 10, 2010

*Rates are based on 740>credit scores & 150,000 Loan amount

Product Description	Points	Origination Fee	Interest Rate	APR
30 YR FIXED
$350,000 to $417,000	0	0	4.875%	4.875%
$275,000 to $349,999	0	0	4.875%	4.891%
$200,001 to $274,999	0	0	4.875%	4.891%
$175,000 to $200,000	0	0	4.875%	4.891%
$150,000 to $184,999	0	0	4.875%	4.891%
30 YR NO COST
$350,000 to $417,000	0	0	5.000%	5.000%
$275,000 to $349,999	0	0	5.000%	5.000%
$200,000 to $274,999	0	0	5.125%	5.125%
$175,000 to $199,999	0	0	5.250%	5.250%
$150,000 to $174,999	0	0	5.250%	5.250%
15 YR FIXED
$350,000 to $417,000	0	0	4.250%	4.259%
$275,000 to $349,999	0	0	4.250%	4.259%
$200,000 to $274,999	0	0	4.250%	4.259%
$175,000 to $199,999	0	0	4.250%	4.259%
$150,000 to $174,999	0	0	4.250%	4.259%
15 YR NO COST
$350,000 to $417,000	0	0	4.250%	4.250%
$275,000 to $349,999	0	0	4.375%	4.375%
$200,000 to $274,999	0	0	4.375%	4.375%
$175,000 to $199,999	0	0	4.500%	4.500%
$150,000 to $174,999	0	0	4.500%	4.500%

*RATES ARE BASED ON 740>CREDIT SCORES

Closing Costs

CLOSING COSTS
Refinance loan amount of $150,000 or greater
$1,800+ title insurance
(includes application fee, all lender fees, all title co. charges and recording fees.
Absolutely no other charges.)
Purchase loan amount of $150,000 or greater
$1,950+ title insurance
(includes application fee, all lender fees, all title co. charges and recording fees.
Absolutely no other charges.)

NO COST LOANS
Refinance of $150,000 or greater
Absolutely no closing costs! Application fee is refunded at closing. Purchase no cost also available. Please call for rates
All rates based on 30 day lock.

M&K Financial Co. 2011 Lakeman Dr Suite C-1 Bellbrook, OH 45305-1906

Phone: Fax:

The Loan Process