I updated my mortgage rates today, they are as follows:

Products	Bank Rates	Our Rates
1 yr Fixed 3.75% 2.75%
2 yr Fixed 4.05% 2.49%
3 yr Fixed 4.65% 3.09%
4 yr Fixed 5.14% 3.09%
3 yr ARM 2.45% 2.85%
5 yr Fixed 5.89% 3.22%
5 yr ARM 3.05% 2.6%
7 yr Fixed 6.80% 4.49%
HELOC 4.00% 3.25%
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