Conventional Home Loans 30 Year Fixed Rate  Rate  APR  Points  7.000%  7.073%  0.000% 15 Year Fixed Rate  Rate  APR  Points  6.750%  6.867%  0.000% Residential 5/1 Portfolio T-Bill ARM  Rate  APR  Points  7.500%  7.936%  0.000% Residential 7/1 Portfolio T-Bill ARM  Rate  APR  Points  7.750%  7.997%  0.000%