Lender Term/Type Interest Rate Points APR* Fees   ABC Bank 800-555-5555 3 Year ARM 30 Year Fixed 4.000 6.500 1.500 2.000 4.250 6.375 $895 $1150 National Lender 800-555-1212 15 Year Fixed 3 Year ARM 5.500 3.500 2.000 2.000 5.625 3.875 $995 $750   * Rates are based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rate information is provided by the lenders and compiled, approved and then published as a public service.