{if $menu == "true"}
<td bgcolor="#f3f3f3" >
	
	<table height="100%" bgcolor="#f3f3f3" border="0" cellpadding="0" cellspacing="0">
	<tr valign="top">
		<td>
			<table width="184" border="0" cellpadding="0"  cellspacing="0">
				<tr>
					<td background="images/lift_top.gif" style="background-repeat:no-repeat; padding-top:15px; padding-left:15px;">
						<img src="images/headers/programs.gif" border="0"><br>
						<table border="0" cellpadding="0" cellspacing="0">
						<tr>
							<td style=" border-left: 1px solid b7b7b7; padding-left:15px">
								<font style=" line-height:20px; font-size:12px; font-style:italic; color:#648f80">
								<a href="fixed_rates.php" style="font-family: tahoma; text-decoration:none;">Fixed Rates</a><br>
				  				<a href="arms.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Arm's</a><br>
				  				<a href="jumbo.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Jumbo</a><br>
				  				<a href="bad_credit.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Bad Credit Ok</a><br>
				  				<a href="refinancing.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Refinancing</a><br>
				  				<a href="125ltv.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">125% Ltv</a><br>
								<a href="100ltv.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">100-102% Ltv</a><br>
								<a href="interest_only.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Interest Only</a><br>
								<a href="home_equity.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Home Equity</a><br>
								<a href="nodoc.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">No Doc - Limited</a><br>
								<a href="stated_income.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Stated Income</a><br>
								<a href="commercial_programs.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Commercial</a><br>
								<a href="construction_programs.php" style=" font-size: 11px; font-weight:10;  font-family: tahoma; text-decoration:none;">Construction</a><br>
								</font>
							</td>
						</tr>
						</table>
					</td>
				</tr>
			</table>
		</td>
	</tr>
	</table>
		
	
</td>
{/if}
<td width="18" style="background: url(images/right_shade.gif); background-repeat: repeat-y; background-position:right;">
	&nbsp;
</td>
</tr>
</table>
<table width="757" align="center" border="0" cellspacing="0" cellpadding="0" bgcolor="#f3f3f3">
	<tr>
		<td colspan="2" style=" background: url('images/left_shade.gif') repeat-y left">&nbsp;</td>
		<td colspan="3" style=" background: url('images/right_shade.gif') repeat-y right">&nbsp;</td>
	</tr>
	<tr>
		<td valign="top" style=" background: url('images/left_shade.gif') repeat-y left"><img src="images/arrow.gif" border="0"/></td>
		<td colspan="3" valign="top"><img src="images/horz_divider.gif" border="0"/></td>
		<td width="18" style=" background: url('images/right_shade.gif') repeat-y right; font-size:1px">&nbsp;</td>
	</tr>
	<tr>
		<td width="18" style=" background: url('images/left_shade.gif') repeat-y left;">&nbsp;</td>
		<td valign="top">
			<table border="0" height="100%" cellpadding="0" cellspacing="0">
			<tr>
				<td width="370"><img src="images/headers/markinfo.gif" border="0"/></td>
			</tr>
			<tr>
				<td>
					<div style="padding-left:9px; line-height:19px"> <font class="text_bt_banner">
						<script language="JavaScript">
															var isnMonths=new Array("January","February","March","April","May","June","July","August","September","October","November","December");
															var isnDays= new Array("Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday");
																	var now = new Date();
																	var hours = now.getHours();
																	var minutes = now.getMinutes();
																	var day = now.getDay(); var date = now.getDate()
																	var month = now.getMonth()
																	var year = now.getYear()
																	year += 0000
																	var timeValue = ''
															hours = hours
															timeValue +=   " " + date +" " + isnMonths[month] + " " + year + ", " + isnDays[day] + ", "
																	timeValue += " " + ((hours >12) ? hours -12 :hours) 
																	timeValue +=  "" + ((minutes < 10) ? ":0" : ":") + minutes
																	timeValue += (hours >= 12) ? " pm" : " am"
															timeValue += ""

																	document.write(timeValue)

													</script>
						<br></font> </div>
					<div style="padding-top:9px; padding-left:7px; line-height:9px">
						<APPLET NAME="Ticker1" CODE="Ticker.class" ARCHIVE="Ticker.jar" CODEBASE="http://java.barchart.com/ticker" HEIGHT="48" WIDTH="352" style="border: 1px solid #868585;">
							<PARAM NAME="panels" VALUE="1">
							<PARAM NAME="1:symbols" VALUE="$NASX:Nasdaq, V1Y0:30 Year Treasury,V2Y0:10 Year Treasury,Y8Y0:1 Mo Libor,Z3Y0:6 Mo Libor,Z5Y0:1 Yr Libor">
							<PARAM NAME="1:scroll" VALUE="-1, 50">
							<PARAM NAME="1:bgcolor" VALUE="#FFFFFF">
							<PARAM NAME="1:fgcolor" VALUE="#5F6667">
							<PARAM NAME="1:pscolor" VALUE="#0B7EC4">
							<PARAM NAME="1:ngcolor" VALUE="#CB302D">
							<PARAM NAME="1:hilight" VALUE="#000000">
							<PARAM NAME="1:font" VALUE="Tahoma, Bold, 11">
							<PARAM NAME="1:multiline" VALUE="true">
						</APPLET>
					</div>
				</td>
			</tr>
			</table>
		</td>
		<td valign="top" width="25" align="center"><img src="images/vert_divider.gif" border="0" /></td>
		<td valign="top">
			<table height="100%" border="0" cellpadding="0" cellspacing="0">
			<tr>
				<td width="326"><img src="images/headers/feedback.gif" border="0"/></td>
			</tr>
			<tr>
				<td>
					<div style="padding-left:9px;">
						<font class="tdtext">We welcome your feedback messages regarding this
					website.</font></div>
					<div style="padding-top:0px; padding-left:7px; line-height:9px">
						<form action="feedback.php?send=yes" name="data" method="post">
							<textarea rows="3" name="text" cols="35"></textarea><br>
							<input type="submit" value="Submit" name="submit">
						</form>
					</div>
				</td>
			</tr>				
			</table>
		</td>
		<td width="18" style=" background: url('images/right_shade.gif') repeat-y right;">&nbsp;</td>
	</tr>
	<tr height="20">
		<td style=" background: url('images/left_shade.gif') repeat-y left">&nbsp;</td>
		<td colspan="3"><img src="images/horz_divider.gif" border="0"/></td>
		<td width="18" style=" background: url('images/right_shade.gif') repeat-y right; font-size:1px">&nbsp;</td>
	</tr>
</table>
<table width="757" align="center" border="0" cellspacing="0" cellpadding="0" bgcolor="#f3f3f3">
	<tr>
		<td width="18" style=" background: url('images/left_shade.gif') repeat-y left">&nbsp;</td>
		<td align="center" valign="top"> <font class="footertext">
			<div style="padding-left:0px; padding-top:10px"> <a href="apply_online.php" class="link_footer">Apply Online</a> | <a href="rate_finder.php" class="link_footer">Mortgage Rates</a> | <a href="closing_costs.php" class="link_footer">Closing Costs</a> | <a href="rate_watch.php" class="link_footer">Rate Watch</a> | <a href="tools.php" class="link_footer">Tools</a> | <a href="contactus.php" class="link_footer">Contact Us</a> | <a href="loan_officers.php" class="link_footer">Loan Officers</a> | <a href="programs.php" class="link_footer">Programs</a> | <a href="map.php" class="link_footer">Site Map</a> </div>
		<div style="padding-left:0px; padding-top:15px"> Copyright &copy; 2006 Freedom Banc Home Mortgage Corp. All rights reserved. Read privacy statement.<br>
		  290  Town Center Lane, Suite 1, Glendale  Heights, IL 60139		</div>
			</font> <br>
		</td>
		<td width="18" style=" background: url('images/right_shade.gif') repeat-y right; font-size:1px">&nbsp;</td>
	</tr>
	<tr><td colspan="3"><img src="images/bottom_18.gif"  border="0"/></td></tr>
</table>
</center>
</body></html>