Conventional 30 Year Fixed Rate  Rate  APR  Points  5.500%  5.613%  0.000% 15 Year Fixed Rate  Rate  APR  Points  4.875%  4.987%  0.000% 5/3 Adjustable Rate Mortgage  Rate  APR  Points  3.500%  4.569%  0.000% Home Equity Fixed Rate HELOC  Rate  APR  Points  3.750%  3.750%  0.000% 5 Year Closed End Home Equity  Rate  APR  Points  3.500%  3.659%  0.000%