* APR 6.24%, Based On Loan Amount of $200,000, 90% CLTV. Program Based on 30 yr. Fixed 2/1 Buydown. ** P&I Payments Only. Does Not Include Escrow For Taxes, Property Insurance, Or Mortgage Insurance. 90% CLTV. *** Rates Subject To Change Without Notice. Program Subject to Approval By Shelter Mortgage. • Offers Valid Only When Purchase Is Financed By Shelter Mortgage • Offers Not Valid With any Other Offer. • Offers valid from April 1 - May 11, 2008 Only.