Mortgage 30 Year Fixed Rate  Rate  APR  Points  7.000%  7.155%  0.000% Adjustable Rate 5 Year ARM Advantage (No MI)  Rate  APR  Points  6.000%  7.327%  0.500% 7/1 Year Adjustable Rate (LTV 80%/CLTV 100%)  Rate  APR  Points  6.750%  7.253%  0.500%