Conventional Home Loans 30 Year Fixed Rate  Rate  APR  Points  7.250%  7.324%  0.000% 15 Year Fixed Rate  Rate  APR  Points  7.000%  7.118%  0.000% Residential 5/1 Portfolio T-Bill ARM  Rate  APR  Points  7.125%  7.913%  0.000% Residential 7/1 Portfolio T-Bill ARM  Rate  APR  Points  7.625%  8.033%  0.000%