<?xml version="1.0" encoding="UTF-8" standalone="yes"?>

<rates>
	
	<!-- promo -->
	<promo>00290</promo>
	
	
	<!-- loan -->
	<item>
		<!-- $$5_1_ARM_MONTHLY_PAYMENT_150K_INITIAL$$-->
		<priceRange>$150k loan</priceRange>
		<monthly>$643/mo</monthly>
		<priceRange>$200k loan</priceRange>
		<monthly>$843/mo</monthly>
		<priceRange>$250k loan</priceRange>
		<monthly>$1,054/mo</monthly>
		<priceRange>$300k loan</priceRange>
		<monthly>$1,265/mo</monthly>
		<priceRange>$350k loan</priceRange>
		<monthly>$1,475/mo</monthly>
		<priceRange>$400k loan</priceRange>
		<monthly>$1,686/mo</monthly>
		<priceRange>$450k loan</priceRange>
		<monthly>$1,927/mo</monthly>
		<priceRange>$500k loan</priceRange>
		<monthly>$2,074/mo</monthly>
		<priceRange>$150,000 loan</priceRange>
		<monthly>$643/mo</monthly>
		<priceRange>$200,000 loan</priceRange>
		<monthly>$843/mo</monthly>
		<priceRange>$250,000 loan</priceRange>
		<monthly>$1,054/mo</monthly>
		<priceRange>$300,000 loan</priceRange>
		<monthly>$1,265/mo</monthly>
		<priceRange>$350,000 loan</priceRange>
		<monthly>$1,475/mo</monthly>
		<priceRange>$400,000 loan</priceRange>
		<monthly>$1,686/mo</monthly>
		<priceRange>$450,000 loan</priceRange>
		<monthly>$1,927/mo</monthly>
		<priceRange>$500,000 loan</priceRange>
		<monthly>$2,074/mo</monthly>
	</item>
	
	
	<!-- start old set up -->
	<item>
		<!-- $$5_1_ARM_MONTHLY_PAYMENT_300K_INITIAL$$-->
		<priceRange>$300k loan</priceRange>
		<monthly>$1,265/mo</monthly></item>
	<item>
		<!-- $$5_1_ARM_MONTHLY_PAYMENT_400K_INITIAL$$-->
		<priceRange>$400k loan</priceRange>
		<monthly>$1,686/mo</monthly>
	</item>
	<!-- end old set up -->
	
	
	<!-- button text -->
	<btnText>call to action</btnText>
	
	
	<!-- APR 5/1 ARM 225k -->
	<apr>3.01% APR</apr>
	<!-- APR 15 year 225k-->
	<apr>3.02% APR</apr>
	<!-- APR 30 year 225k-->
	<apr>3.88% APR</apr>
	<!-- rates 5/1 ARM 225k-->
	<rates>3.00%</rates>
	<!-- rates 15 year 225k-->
	<rates>3.00%</rates>
	<!-- rates 30 year 225k-->
	<rates>3.88%</rates>
	<!-- monthly 5/1 ARM 225k-->
	<moPayment>$948</moPayment>
	<!-- monthly 15 year 225k-->
	<moPayment>$1,553</moPayment>
	<!-- monthly 30 year 225k-->
	<moPayment>$1,058</moPayment>
	
	
	<!-- slot machine OBSOLETE AND NOT BEING USED-->
	<slotMachine>
		<thirtyYear_rate>0.00</thirtyYear_rate>
		<thirtyYear_apr>0.00</thirtyYear_apr>
		<fifteenYear_rate>0.00</fifteenYear_rate>
		<fifteenYear_apr>0.00</fifteenYear_apr>
		<adjustable_rate>0.00</adjustable_rate>
		<adjustable_apr>0.00</adjustable_apr>
	</slotMachine>
	
	
	<!-- monthly savings OBSOLETE AND NOT BEING USED -->
	<monthlySavings>$0</monthlySavings>
	
	
	<!-- offers OBSOLETE AND NOT BEING USED -->
	<offers>
		<offer1>0.00%</offer1>
		<offer2>0.00%</offer2>
		<offer3>0.00%</offer3>
	</offers>
	
	
	<!-- higher APRs OBSOLETE AND NOT BEING USED -->
	<higherRates>
		<thirtyYear>
			<rate>0.00%</rate>
			<rate>0.00%</rate>
		</thirtyYear>
		<fifteenYear>
			<rate>0.00%</rate>
			<rate>0.00%</rate>
		</fifteenYear>
		<arm>
			<rate>0.00%</rate>
			<rate>0.00%</rate>
		</arm>
	</higherRates>
	
	
	<!-- rounded up APRs -->
	<aprRoundUp>
		<thirtyYear>
			<apr>3.88% APR</apr>
		</thirtyYear>
		<fifteenYear>
			<apr>3.02% APR</apr>
		</fifteenYear>
		<arm>
			<apr>3.01% APR</apr>
		</arm>
	</aprRoundUp>
	
	<!-- rounded up rates -->
	<ratesRoundUp>
		<thirtyYear>
			<rates>3.88%</rates>
		</thirtyYear>
		<fifteenYear>
			<rates>3.00%</rates>
		</fifteenYear>
		<arm>
			<rates>3.00%</rates>
		</arm>
	</ratesRoundUp>
	
	
	
	
	<!-- AUTO -->
	
	<!-- 36 months loan term interest rates -->
	<loanTerm36rate>
		<new>0.00%</new>
		<used>0.00%</used>
		<refi>0.00%</refi>
	</loanTerm36rate>
	
	<!-- 36 months loan term APR -->
	<loanTerm36APR>
		<new>1.85% APR</new>
		<used>3.19% APR</used>
		<refi>2.24% APR</refi>
	</loanTerm36APR>
	
	<!-- 48 months loan term interest rates -->
	<loanTerm48rate>
		<new>0.00%</new>
		<used>0.00%</used>
		<refi>0.00%</refi>
	</loanTerm48rate>
	
	<!-- 48 months loan term interest APR -->
	<loanTerm48APR>
		<new>3.99% APR</new>
		<used>3.19% APR</used>
		<refi>2.24% APR</refi>
	</loanTerm48APR>
	
	<!-- 60 months loan term interest rates -->
	<loanTerm60rate>
		<new>0.00%</new>
		<used>0.00%</used>
		<refi>0.00%</refi>
	</loanTerm60rate>
	
	<!-- 60 months loan term interest APR -->
	<loanTerm60APR>
		<new>3.19% APR</new>
		<used>3.19% APR</used>
		<refi>1.99% APR</refi>
	</loanTerm60APR>
	
	<!-- 36 months loan term credit score -->
	<loanTerm36credit>
		<new>813</new>
		<used>766</used>
		<refi>741</refi>
	</loanTerm36credit>
	
	<!-- 48 months loan term credit score -->
	<loanTerm48credit>
		<new>664</new>
		<used>761</used>
		<refi>744</refi>
	</loanTerm48credit>
	
	<!-- 60 months loan term credit score -->
	<loanTerm60credit>
		<new>695</new>
		<used>756</used>
		<refi>735</refi>
	</loanTerm60credit>
	
    <!-- loan -->

		<!-- $$Additional Loan Amounts 5/1 AMR$$-->
		<priceRange>$175k loan</priceRange>
		<monthly>$737/mo</monthly>
		<priceRange>$175,000 loan</priceRange>
		<monthly>$737/mo</monthly>
		<priceRange>$225k loan</priceRange>
		<monthly>$948/mo</monthly>
		<priceRange>$225,000 loan</priceRange>
		<monthly>$948/mo</monthly>
		<priceRange>$700k loan</priceRange>
		<monthly>$2,904/mo</monthly>
		<priceRange>$700,000 loan</priceRange>
		<monthly>$2,904/mo</monthly>
		<priceRange>$750k loan</priceRange>
		<monthly>$3,264/mo</monthly>
		<priceRange>$750,000 loan</priceRange>
		<monthly>$3,264/mo</monthly>
		<priceRange>$950k loan</priceRange>
		<monthly>$4,005/mo</monthly>
		<priceRange>$950,000 loan</priceRange>
		<monthly>$4,005/mo</monthly>
		
	<!-- APR 30-year 200K -->
	<apr>3.88% APR</apr>
	<!-- APR 30-year 250k -->
	<apr>3.88% APR</apr>
	<!-- APR 30-year 300k -->
	<apr>3.75% APR</apr>
	<!-- APR 30-year 400k -->
	<apr>3.75% APR</apr>

    <!-- monthly 30-year 200k -->
	<moPayment>$940</moPayment>
	<!-- monthly 30-year 250k -->
	<moPayment>$1,176</moPayment>
	<!-- monthly 30-year 300k -->
	<moPayment>$1,389</moPayment>
	<!-- monthly 30-year 400k -->
	<moPayment>$1,881</moPayment>

    <!-- APR 5/1 ARM 150K -->
	<apr>3.25% APR</apr>
    <!-- APR 5/1 ARM 200K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 250K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 300K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 350K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 400K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 450K -->
	<apr>3.14% APR</apr>
    <!-- APR 5/1 ARM 500K -->
	<apr>2.88% APR</apr>
    <!-- APR 5/1 ARM 700K -->
	<apr>2.88% APR</apr>
    <!-- APR 5/1 ARM 750K -->
	<apr>3.26% APR</apr>
    <!-- APR 5/1 ARM 950K -->
	<apr>3.01% APR</apr>
    <!-- APR 5/1 ARM 175K -->
	<apr>3.01% APR</apr>
    
    <!-- APR 30-year 175K -->
	<apr>4.16% APR</apr>
    <!-- monthly 30-year 175k -->
	<moPayment>$835</moPayment>
    
    
<!-- VA Rates -->  

    <!-- VA Rate 5/1 ARM -->
	<PriceRange>$225,000</PriceRange>
	<rate>2.63%</rate>
    <APR>2.94% APR</APR>
    <moPayment>$904</moPayment>

    <!-- VA Rate 15-Year Fixed -->
	<PriceRange>$225,000</PriceRange>
    <rate>2.75%</rate>
    <APR>3.12% APR</APR>
    <moPayment>$1,527</moPayment>

    <!-- VA Rate 30-Year Fixed -->
	<PriceRange>$225,000</PriceRange>
	<rate>3.25%</rate>
    <APR>3.49% APR</APR>
    <moPayment>$980</moPayment>
    
    	<!-- $$Additional Loan Amounts+Rates 30-Year Fixed$$-->
		<priceRange>$150,000 loan</priceRange>
		<monthly>$738/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.25% APR</APR>
		<priceRange>$150k loan</priceRange>
		<monthly>$738/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.25% APR</APR>
        <priceRange>$175,000 loan</priceRange>
		<monthly>$835/mo</monthly>
            <rate>4.00%</rate>
            <APR>4.16% APR</APR>
        <priceRange>$175k loan</priceRange>
		<monthly>$835/mo</monthly>
            <rate>4.00%</rate>
            <APR>4.16% APR</APR>
		<priceRange>$225,000 loan</priceRange>
		<monthly>$1,058/mo</monthly>
            <rate>3.88%</rate>
            <APR>3.88% APR</APR>
		<priceRange>$225k loan</priceRange>
		<monthly>$1,058/mo</monthly>
            <rate>3.88%</rate>
            <APR>3.88% APR</APR>
		<priceRange>$350,000 loan</priceRange>
		<monthly>$1,722/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.28% APR</APR>
		<priceRange>$350k loan</priceRange>
		<monthly>$1,722/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.28% APR</APR>
        <priceRange>$450,000 loan</priceRange>
		<monthly>$X,XXX/mo</monthly>
            <rate>X.XX%</rate>
            <APR>X.XX% APR</APR>
    `   <priceRange>$450k loan</priceRange>
		<monthly>$X,XXX/mo</monthly>
            <rate>X.XX%</rate>
            <APR>X.XX% APR</APR>
    `   <priceRange>$500,000 loan</priceRange>
		<monthly>$2,460/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.25% APR</APR>
    `   <priceRange>$500k loan</priceRange>
		<monthly>$2,460/mo</monthly>
            <rate>4.25%</rate>
            <APR>4.25% APR</APR>
    
    
    	<!-- Auto As Low As Rates -->
		<refi>1.99% APR</refi>
		<purchase>1.85% APR</purchase>
    
        	<!-- Personal Loans -->
        		<rates>7.16% APR</rates>
        <LoanAmount>$1,000</LoanAmount>
            <term>2 years</term>
            <MoPayment>$40.36</MoPayment>
        <LoanAmount>$1,000</LoanAmount>
            <term>3 years</term>
    		<rates>7.16% APR</rates>
            <MoPayment>$27.86</MoPayment>
        <LoanAmount>$2,500</LoanAmount>
            <term>3 years</term>
    		<rates>5.99% APR</rates>
            <MoPayment>$75.29</MoPayment>
        <LoanAmount>$2,500</LoanAmount>
            <term>5 years</term>
    		<rates>7.16% APR</rates>
            <MoPayment>$47.70</MoPayment>
        <LoanAmount>$5,000</LoanAmount>
            <term>3 years</term>
    		<rates>5.99% APR</rates>
            <MoPayment>$150.57</MoPayment>
        <LoanAmount>$25,000</LoanAmount>
            <term>3 years</term>
    		<rates>4.29% APR</rates>
            <MoPayment>$741.33</MoPayment>
        <LoanAmount>$25,000</LoanAmount>
            <term>5 years</term>
    		<rates>7.16% APR</rates>
            <MoPayment>$494.93</MoPayment>
        <LoanAmount>$35,000</LoanAmount>
            <term>5 years</term>
    		<rates>10.31% APR</rates>
            <MoPayment>$726.54</MoPayment>
        	
            <!-- As Low As PL Rates -->
            <APR>5.99%</APR>
    
    <!-- $$ Home Equity Line of Credit $$-->
    <amount>$25,000</amount>
		<apr>4.72% APR</apr>
    <amount>$50,000</amount>
		<apr>4.11% APR</apr>
    
    
   <!-- Reverse Morttgage -->
    <PropertyValue>$300,000</PropertyValue>
		<AmountAvailable>$188,192</AmountAvailable>
    <PropertyValue>$400,000</PropertyValue>
		<AmountAvailable>$252,244</AmountAvailable>
    <PropertyValue>$500,000</PropertyValue>
		<AmountAvailable>$317,298</AmountAvailable>
    <PropertyValue>$600,000</PropertyValue>
		<AmountAvailable>$382,358</AmountAvailable>
    
   <!-- Mortgage 15 Year rates -->
    <LoanAmount>$225,000</LoanAmount>
            <rate>3.00%</rate>
    		<APR>3.02% APR</APR>
            <MoPayment>$1,553</MoPayment>
    <LoanAmount>$250,000</LoanAmount>
            <rate>3.00%</rate>
    		<APR>3.02% APR</APR>
            <MoPayment>$1,726</MoPayment>

    
    <!-- $$ Home Equity Line of Credit Continued$$ -->
    <amount>$100,000</amount>
		<apr>3.03% APR</apr>
    <amount>$150,000</amount>
		<apr>3.78% APR</apr>
    <amount>$200,000</amount>
		<apr>3.78% APR</apr>
    
    <!-- $$ As Low As HELOC $$-->
    <AsLowAs>3.03% APR</AsLowAs>
    
</rates>