HAYES MORTGAGE SERVICE COMPANY
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| Program | Rate | Payment |
| 30 Year Fixed | 5.78% | $0.00 |
| 15 Year Fixed | 5.23% | $0.00 |
| 3/1 ARM | 5.43% | $0.00 |
| 5/1 ARM | 4.79% | $0.00 |
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