San Diego Wish List Neighborhoods Disclaimer Information

Breakaway
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $379,540.00 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $15,181.60 (4.000% points) paid by the seller resulting in a rate of 5.00% (5.83% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of $3,781.00. To qualify for this offer, buyer must close escrow by 12/26/07. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. All images are a representation only. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]

Isla Vista
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $783,000.00 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $19,575.00 (3.125% points) paid by the seller resulting in a rate of 6.00% (6.83% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of $7,691.00. To qualify for this offer, buyer must close escrow by 12/26/07. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. All images are a representation only. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [10/07]

Rosemary Lane
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $744,948.00 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $29,052.95 (4.875% points) paid by the seller resulting in a rate of 5.5% (6.33% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of 7,008.94. To qualify for this offer, buyer must close escrow by 12/26/07. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. All images are a representation only. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]

Silhouette
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $749,046.00 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $29,212.76 (4.875% points) paid by the seller resulting in a rate of 5.5% (6.33% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of 7,155.94. To qualify for this offer, buyer must sign a purchase agreement between 00/00/07 and 00/00/07 and close escrow per terms of contract. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]

Tremont
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $379,540.00 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $15,181.60 (4.000% points) paid by the seller resulting in a rate of 5.00% (5.83% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of $3,781.00. To qualify for this offer, buyer must close escrow by 12/26/07. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. All images are a representation only. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]

San Luis
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $473,270 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $18,930.80 (4.00% points) paid by the seller resulting in a rate of 5.00% (5.83% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of $4,692.00. To qualify for this offer, buyer must sign a purchase agreement between 00/00/07 and 00/00/07 and close escrow per terms of contract. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]

Palomar
*1st 5-year monthly payment is for illustrative purposes only and is based on sales price of $429,470 and may vary based on borrower's credit score, actual closing costs and other variables. Example monthly payment includes interest only; principal, taxes, insurance and any other fees such as HOA are extra. Scenario is based on a 5/1 fixed-period interest-only adjustable-rate loan ("ARM") with a 20% borrower down payment and an interest rate buydown of $17,178.80 (4.00% points) paid by the seller resulting in a rate of 5.00% (5.83% variable APR) for the 1st 5 years; rates and monthly payment subject to increase and assumes no change in index after 1st 5 years, 30-year loan term. Rate effective 09/26/07. Advertised monthly payment will increase at year 6. After completion of the 10-year interest-only period, the loan will be fully amortized over the remaining term as an adjustable-rate mortgage that adjusts once a year and borrowers will be required to pay principal & interest, which may result in a significantly higher monthly payment. Loan programs available thru JLH Mortgage, however buyer may finance via any qualified lender but will not be eligible for this offer. Scenario assumes the buyer has good credit, sets up a tax & insurance escrow account and pays estimated closing costs of $4287.00. To qualify for this offer, buyer must sign a purchase agreement between 00/00/07 and 00/00/07 and close escrow per terms of contract. This offer subject to underwriting guidelines, and available only for owner-occupied homes; non-owner-occupied homes are subject to additional restrictions and qualifying requirements. John Laing Homes and JLH Mortgage are independently responsible for the products and services each company offers. Equal Housing Lender. ©2007 Countrywide Mortgage Ventures, LLC, d/b/a JLH Mortgage Company, 27001 Agoura Road, Suite 200, Calabasas Hills, California 91301. Trade/servicemarks are the property of Countrywide Mortgage Ventures, LLC or Countrywide Financial Corporation. Countrywide and the associated house logo reg. U.S. Pat. & Tm. Off. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California properties only. Some products may not be available in all states where Countrywide Mortgage Ventures operates. This is not a commitment to lend. Restrictions apply. All rights reserved. [09/07]