30 Year Fixed      5.875%                     Interest Rates for May 14 , 2008

20 Year Fixed      5.875%                        Interest rates based on $100,000

15 Year Fixed      5.375%                      Loan amount with min. 30 day lock

7/1 ARM               5.250%                              1% Loan Origination fee 

5/1 ARM               5.125%           Call your Sands Mortgage Consultant for details                                                    

3/1 ARM               4.625%                               Rates subject to change without notice

                                                                                           Some restrictions may apply