AVERAGE INTEREST RATES AS OF November 13, 2008:

30 Year ..................5.875%           0 Points     0 Origination Fees

15 Year ..................5.625%           0 Points     0 Origination Fees

5/1 Arm Jumbo.........5.5%          0 Points     0 Origination Fees

FHA 30 Year............6.0%          0 Points      0 Origination Fees

Please Call Often, as Rates Change Daily!!

No-Cost Refinancing,

97% Purchase,

FHA,

Reverse Mortgages

We are affiliated with Assist2Sell to help with your Real Estate needs.

We are also affiliated with Benchmark Title to help with all your Title needs.

We are YOUR One-Stop Shop for Mortgages, Real Estate and Title!

Visit Our Website at: www.4StlLoans.com

or Contact:

GARY BUSSARD

(314) 993-6690

Envoy Mortgage

10121 Paget Drive

St. Louis, MO 63132

gary@stlouisloanrates.com

www.4StlLoans.com