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CONFORMING RATES ARE AS LOW AS…… ** 30 YEAR FIXED RATE – 5.25% AND 0 POINTS. ** 15 YEAR – 4.75% AND 0 PTS. ** 5/1 ARM – 4.25% AND 0 PTS. JUMBO RATES AS LOW AS……. ** 30 YEAR FIXED – 5.75% AND 0 POINTS. ** 5/1 ARM – 5.00% AND 0 PTS.