******************************* 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 |
3.875 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.625 |
Jumbo |
4.000 |
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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.775 |
3.080 |
3.631 |
3.064 |
3.034 |
3.179 |
|
>$424K |
3.990 |
3.250 |
3.750 |
3.250 |
3.375 |
3.500 |
APR |
4.034 |
3.271 |
3.745 |
3.238 |
3.421 |
3.525 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.793 |
3.542 |
------ |
------ |
3.400 |
3.411 |
|
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 |
4.375 |
4.375 |
APR |
4.161 |
3.581 |
3.953 |
3.617 |
4.422 |
4.431 |
|
******************************* 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 |
3.875 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.990 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.746 |
3.030 |
3.592 |
2.991 |
3.006 |
3.151 |
|
>$424K |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.769 |
3.515 |
------ |
------ |
3.382 |
3.387 |
|
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 |
4.250 |
4.375 |
APR |
4.132 |
3.530 |
3.913 |
3.544 |
4.280 |
4.396 |
|
******************************* 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 |
3.250 |
3.375 |
3.625 |
>$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 |
3.375 |
3.875 |
3.375 |
4.000 |
4.000 |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.740 |
3.036 |
3.597 |
3.001 |
3.010 |
3.155 |
|
>$424K |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.771 |
3.520 |
------ |
------ |
3.385 |
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 |
4.250 |
4.375 |
APR |
4.125 |
3.537 |
3.918 |
3.553 |
4.284 |
4.400 |
|
******************************* 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 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
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 |
3.125 |
APR |
3.681 |
3.045 |
3.563 |
2.992 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.375 |
APR |
3.879 |
3.608 |
------ |
------ |
3.381 |
3.386 |
|
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 |
4.250 |
4.375 |
APR |
4.057 |
3.545 |
3.925 |
3.566 |
4.295 |
4.411 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
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 |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
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 |
3.125 |
APR |
3.753 |
3.060 |
3.576 |
3.015 |
3.033 |
3.178 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.375 |
APR |
3.882 |
3.612 |
------ |
------ |
3.385 |
3.391 |
|
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 |
4.375 |
4.375 |
APR |
4.139 |
3.561 |
3.937 |
3.588 |
4.423 |
4.431 |
|
******************************* 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 |
3.375 |
3.875 |
3.375 |
4.000 |
4.000 |
>$424K |
4.125 |
3.875 |
------ |
------ |
------ |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
4.375 |
4.375 |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
------ |
|
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 |
3.125 |
APR |
3.768 |
3.085 |
3.596 |
3.052 |
3.047 |
3.192 |
|
>$424K |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.778 |
3.531 |
------ |
------ |
3.391 |
3.396 |
|
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 |
4.250 |
4.375 |
APR |
4.154 |
3.587 |
3.958 |
3.626 |
4.325 |
4.441 |
|
******************************* 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 |
3.875 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.500 |
3.625 |
Jumbo |
4.000 |
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 |
3.990 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.746 |
3.029 |
3.591 |
2.990 |
3.006 |
3.151 |
|
>$424K |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.768 |
3.515 |
------ |
------ |
3.382 |
3.387 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.250 |
3.375 |
APR |
3.763 |
3.490 |
------ |
------ |
3.259 |
3.362 |
|
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 |
4.250 |
4.250 |
APR |
4.131 |
3.529 |
3.912 |
3.542 |
4.276 |
4.278 |