******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.250 |
3.500 |
>$424K |
4.000 |
3.250 |
4.000 |
------ |
------ |
4.375 |
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
------ |
4.000 |
>$424K |
4.500 |
------ |
4.375 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.754 |
3.062 |
3.563 |
3.017 |
3.053 |
3.304 |
|
>$424K |
3.875 |
3.250 |
3.875 |
------ |
4.250 |
4.125 |
APR |
3.922 |
3.260 |
3.898 |
------ |
4.291 |
4.165 |
|
Jumbo |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.375 |
APR |
3.777 |
3.437 |
------ |
------ |
3.279 |
3.394 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
4.150 |
3.563 |
3.939 |
3.591 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
------ |
4.000 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.726 |
3.012 |
3.523 |
2.944 |
3.026 |
3.276 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.856 |
3.499 |
------ |
------ |
3.373 |
3.390 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
4.121 |
3.512 |
3.899 |
3.517 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.875 |
3.875 |
>$424K |
4.125 |
3.875 |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
------ |
4.125 |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.720 |
3.018 |
3.529 |
2.954 |
3.030 |
3.280 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.859 |
3.504 |
------ |
------ |
3.376 |
3.393 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
4.031 |
3.519 |
3.904 |
3.527 |
------ |
------ |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
------ |
4.125 |
>$424K |
4.125 |
3.875 |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.125 |
3.625 |
------ |
------ |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.671 |
2.973 |
3.535 |
2.966 |
3.054 |
3.305 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.857 |
3.501 |
------ |
------ |
3.374 |
3.391 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
APR |
4.036 |
3.457 |
3.911 |
3.493 |
------ |
------ |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.679 |
3.042 |
3.547 |
2.989 |
3.052 |
3.303 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.890 |
3.505 |
------ |
------ |
3.376 |
3.394 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
APR |
4.045 |
3.472 |
3.923 |
3.516 |
------ |
------ |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$424K |
4.125 |
3.875 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.694 |
3.067 |
3.567 |
3.025 |
3.066 |
3.317 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.865 |
3.515 |
------ |
------ |
3.382 |
3.399 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
APR |
4.060 |
3.498 |
3.943 |
3.553 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. See other assumptions at the bottom of the post) |
|
PRIMARY RESIDENCE - REGULAR REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.625 |
3.750 |
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
------ |
4.000 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.726 |
3.011 |
3.523 |
2.943 |
3.025 |
3.276 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.856 |
3.499 |
------ |
------ |
3.373 |
3.390 |
|
Jumbo |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.375 |
APR |
3.747 |
3.384 |
------ |
------ |
3.250 |
3.365 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
4.121 |
3.511 |
3.898 |
3.516 |
------ |
------ |