	Midwest Loan Services - Express Fixed Rates
	09/08/04
	Express: 30 Yr. Fixed Rate, 20 Yr. Fixed Rate			Express: 15 Yr. Fixed Rate, 10 Yr. Fixed Rate				1ST LIEN FIXED RATE ADJUSTMENTS
	(E30F)			(E15F)
	Max Price	103.5		Max Price	103.5							FICO	FICO	FICO	FICO	FICO
	Rate	Price		Rate	Price			Rate Adjustment Factors				720 +	680 - 719	660 - 679	640 - 659	620 - 639		Price Adjustments (All FICO scores)
	7.375	105.1561		6.875	104.6449			LTV < = 60.00%				0.0000%	0.0950%	0.1650%	0.4350%	0.6000%		Amt $333,701 - $650,000				-1.0000	*
	7.25	104.4686		6.75	104.3949			LTV > 60.00% < = 65.00%				0.1150%	0.1650%	0.2750%	0.5350%	0.7300%		Amt $250,000 - $333,700				0.1571
	7.125	104.5311		6.625	104.1449			LTV > 65.00% < = 70.00%				0.1900%	0.2300%	0.3900%	0.6750%	0.9150%		Amt $200,000 - $249,999				0.1326
	7	104.2186		6.5	103.8949			LTV > 70.00% < = 75.00%				0.2750%	0.3450%	0.5250%	0.8550%	1.1600%		Amt $150,000 - $199,999				0.0858
	6.875	103.9061		6.375	103.6449			LTV > 75.00% < = 80.00%				0.3600%	0.4550%	0.6950%	1.0250%	1.4800%		Amt $100,000 - $149,999				0.0000
	6.75	103.4686		6.25	103.2699			LTV > 80.00% < = 85.00%				0.4300%	0.5200%	0.8100%	1.1300%	1.8000%		Amt $50,000 - $99,999				-0.2084
	6.625	103.0311		6.125	102.8949			LTV > 85.00% < = 90.00%				0.5700%	0.6850%	1.0250%	1.3800%	2.1900%		Amt $25,000 - $49,999				-0.7084
	6.5	102.5936		6	102.5199			LTV > 90.00% < = 95.00%				0.8000%	0.9750%	1.3750%	1.6750%	2.5800%		Amt < $25,000				-2.0417
	6.375	102.1561		5.875	102.1449			LTV > 95.00% < = 100.00%				1.0250%	1.5300%	1.9800%	N/A	N/A		2-4 Unit > $333,700				0.0000
	6.25	101.6561		5.75	101.6762			Cash Out Refinance <= 90% LTV				0.1000%	0.1000%	0.1000%	0.2500%	0.2500%
	6.125	101.1561		5.625	101.2074			Cash Out Refinance > 90% LTV				0.4000%	0.4000%	0.4000%	N/A	N/A		Escrow Waiver LTV <=80%				-0.2500
	6	100.5936		5.5	100.6762			Stated Income <= 80% LTV				0.2500%	0.3750%	0.3750%	N/A	N/A		Escrow Waiver LTV >80%				-0.3750
	5.875	100.0311		5.375	100.1449			Stated Income > 80% LTV				0.3750%	0.5000%	0.5000%	N/A	N/A		California Adjustment				-0.2500
	5.75	99.4061		5.25	99.67615			DTI > 45%				0.0700%	0.1000%	0.1000%	N/A	N/A
	5.625	98.7811		5.125	99.2074			Second Home				0.5000%	0.5500%	0.6000%	0.6250%	0.8750%
	5.5	98.04985		5	98.7074			2 - 4 Unit				0.2000%	0.2750%	0.2750%	0.3600%	0.5000%
	5.375	97.3186		4.875	98.2074			Non-Owner Occupied				1.4000%	1.7000%	1.8750%	2.0250%	2.5250%		* Max Price No Prepay 103.00, Max Price w/Prepay 104.00
								Low Rise Condo				0.1250%	0.1250%	0.1250%	0.1250%	0.1250%
								High Rise Condo				0.3750%	0.3750%	0.3750%	0.3750%	0.3750%
								1st Lien with Subordinated Debt				0.5000%	0.5000%	0.5000%	0.5000%	0.5000%