******************************* 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 |
3.250 |
3.500 |
>$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.625 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
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 |
3.250 |
APR |
3.775 |
3.080 |
3.631 |
3.064 |
3.043 |
3.294 |
|
>$424K |
3.990 |
3.250 |
3.750 |
3.250 |
3.375 |
3.375 |
APR |
4.036 |
3.260 |
3.772 |
3.236 |
3.410 |
3.415 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.789 |
3.527 |
4.151 |
------ |
3.393 |
3.401 |
|
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 |
3.500 |
3.750 |
APR |
4.161 |
3.581 |
3.953 |
3.617 |
3.537 |
3.787 |
|
******************************* 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 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
>$424K |
4.000 |
3.875 |
4.250 |
------ |
3.500 |
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 |
3.250 |
APR |
3.746 |
3.030 |
3.592 |
2.991 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.863 |
3.515 |
4.117 |
------ |
3.373 |
3.377 |
|
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 |
3.500 |
3.750 |
APR |
4.132 |
3.530 |
3.913 |
3.544 |
3.509 |
3.759 |
|
******************************* 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 |
3.625 |
3.750 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
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 |
3.875 |
4.000 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.740 |
3.036 |
3.597 |
3.001 |
3.020 |
3.270 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.866 |
3.520 |
4.121 |
------ |
3.375 |
3.380 |
|
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 |
3.500 |
3.750 |
APR |
4.125 |
3.537 |
3.918 |
3.553 |
3.512 |
3.763 |
|
******************************* 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 |
4.000 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
4.000 |
|
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 |
------ |
4.750 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
|
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 |
3.681 |
3.045 |
3.563 |
2.992 |
3.044 |
3.295 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.864 |
3.522 |
4.122 |
------ |
3.371 |
3.376 |
|
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 |
3.500 |
3.750 |
APR |
4.057 |
3.545 |
3.925 |
3.566 |
3.557 |
3.808 |
|
******************************* 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 |
4.375 |
4.750 |
------ |
4.375 |
4.375 |
|
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 |
4.375 |
4.750 |
------ |
4.375 |
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 |
3.753 |
3.060 |
3.576 |
3.015 |
3.043 |
3.293 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.866 |
3.526 |
4.122 |
------ |
3.376 |
3.381 |
|
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 |
3.500 |
3.750 |
APR |
4.139 |
3.561 |
3.937 |
3.588 |
3.558 |
3.809 |
|
******************************* 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 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
4.375 |
4.500 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
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 |
3.768 |
3.085 |
3.596 |
3.052 |
3.056 |
3.307 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.872 |
3.531 |
4.130 |
------ |
3.381 |
3.386 |
|
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 |
3.500 |
3.750 |
APR |
4.154 |
3.587 |
3.958 |
3.626 |
3.566 |
3.823 |
|
******************************* 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 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.625 |
3.875 |
>$424K |
4.000 |
3.875 |
4.250 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
3.000 |
3.250 |
APR |
3.750 |
3.029 |
3.516 |
2.990 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.863 |
3.520 |
4.117 |
------ |
3.372 |
3.377 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.250 |
APR |
3.759 |
3.474 |
4.109 |
------ |
3.253 |
3.263 |
|
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 |
3.500 |
3.750 |
APR |
4.147 |
3.529 |
3.912 |
3.542 |
3.508 |
3.758 |