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The Mortgage Professor http://www.mtgprofessor.com/A%20-%20UMLs/list_of_upfront_mortgage_lenders.htm
I like this guys web site and the links and spread sheets he provides . home » mortgage rates. I believed his up front lenders are very similar to HLS
You need to quailfy for a loan but here was some advertised rates for loans.
Amersave Today’s Mortgage Rates September 11, 2009 Loans up to $417,000 Rate APR 30 Year Fixed 4.250 4.604 15 Year Fixed 3.750 4.463 FHA Rates Rate APR 30 Year Fixed 4.500 5.021 15 Year Fixed 4.250 4.734
AHC Lending oan Program Rates APR
30 Year Fixed Rate Mortgage 4.250% 4.522% 15 Year Fixed Rate Mortgage 4.125% 4.666% 5/1 Adjustable Rate Mortgage 2.875% 7.963% 30 Year Fixed Rate FHA 4.625% 4.897%