15 Year Conventional

4.375%

0.000%

0.000%

03/03/2010

30 Year Conventional

4.875%

0.000%

0.000%

03/03/2010

FHA / VA

4.875%

0.000%

0.000%

03/03/2010

* The above APRs are based on a loan amount of $150,000. Subject to down payment and credit score requirements for loan programs listed. Monthly P/I payments of $917.99, $644.19, $777.05 respectively. Ask for APR and monthly payment for other loan amounts. Interest rate, discount points and annual percentage rate (APR) are subject to change without notice.

1-Year Adjustable

4.250%

0.000%

4.350%

03/04/2010

10-Year Fixed/Adjustable

5.750%

0.000%

5.850%

03/04/2010

5-Year Fixed/Adjustable

4.500%

0.000%

4.600%

03/04/2010

7-Year Fixed/Adjustable

5.000%

0.000%

5.100%

03/04/2010

* Interest rates and APRs may vary based on credit history. Rates are subject to change without notice. Payment example: 30 years at 4.25% = $4.92 per $1,000 borrowed

Convential 15 year

4.250%

0.000%

4.591%

02/25/2010

Conventional Fixed Rate

4.875%

0.000%

5.076%

02/25/2010

FHA Home Loans

4.750%

0.000%

5.430%

02/25/2010

MD/DO Loans

%

%

%

12/31/1969

VA/Veteran Loans

%

%

%

12/31/1969

* Actual loan qualifying is subject to verification and approval of income, credit, property appraisal and other factors. Subject to change at any time without prior written notice.

15 Year Conventional Fixed Rate

4.250%

1.000%

4.540%

03/08/2010

30 Year Conventional Fixed Rate

4.750%

1.000%

4.930%

03/08/2010

FHA Fixed Rate

5.000%

1.000%

5.740%

03/08/2010

Rural Development Home Loan

5.250%

1.000%

5.420%

03/08/2010

VA Fixed Rate

5.000%

1.000%

5.270%

03/08/2010

* *The interest rate, discount points, and annual percentage rate (APR) are subject to change without notice. Minimum credit scores may be required for programs listed.

15 Year Fixed Rate

4.250%

1.000%

4.477%

02/25/2010

30 Year Fixed Rate

4.900%

1.000%

5.033%

03/09/2010

30 Year Fixed Rate - FHA

5.000%

1.000%

5.089%

02/25/2010

First Time Homebuyers (100% loan)

6.125%

0.000%

6.173%

02/25/2010

* Interest rates and APR's may vary based on credit history and type of loan applied for. Rates are subject to change without notice. Rate sheet does not reflect all available ECU mortgage products. Ask your loan officer for more information. Payment example: 30 Yr Fixed Rate Payment; 5.127 APR; 360 Monthly Payments; $5.37 Payment Per $1,000 borrowed. Beginning March 1, 2010, Eastman Credit Union will have access to up to $5000 in Welcome Home Grant funds. These funds may be used to fund reasonable down-payment and closing costs incurred in conjunction with the purchase of owner-occupied housing to be used as a primary residence. Eastman Credit Union is an Equal Housing Lender

15 Year Conventional Fixed Rate

4.250%

1.000%

4.645%

03/04/2010

30 Year Conventional Fixed Rate

5.000%

1.000%

5.157%

03/04/2010

30 Year FHA Fixed Rate

5.000%

1.000%

5.650%

03/04/2010

30 Year VA Fixed Rate

5.000%

1.000%

5.310%

03/04/2010

First Time Homebuyer Grant Program

5.280%

1.250%

5.980%

03/04/2010

* All quotes assume certain minimum credit scores and are subject to change without notice throughout each business day. The First Time Homebuyer program is through the Tennessee Housing Development Agency (THDA). The Great Advantage Program offers a 2.00% grant and the Great Start Program offers a 4.00% grant. Through April, THDA also offers a Stimulus Loan Program (SLP). The SLP loans the FHA down payment at no interest and with no payments if paid by the Stimulus Tax Credit. ATTN: THE WELCOME HOME PROGRAM BEGINS MARCH 1ST AND PROVIDES A $5,000 GRANT TO QUALIFIED HOMEBUYERS. Call for details.

15 year Conventional

4.375%

1.000%

4.675%

02/22/2010

30 year Conventional

5.000%

1.000%

5.177%

02/22/2010

FHA

5.200%

1.000%

5.642%

02/22/2010

VA

5.200%

1.000%

5.642%

02/22/2010