30 Year Fixed Rate
 Rate  APR  Points
 4.875%  5.000%  0.000%
 4.750%  4.918%  0.500%
 4.625%  4.836%  1.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.463%  0.000%
 4.125%  4.413%  0.500%
 4.000%  4.363%  1.000%

Assumptions

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