******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.500 |
3.990 |
------ |
3.750 |
3.990 |
Jumbo |
4.125 |
3.750 |
4.375 |
------ |
3.750 |
3.990 |
|
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 |
4.125 |
>$424K |
4.500 |
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 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.806 |
3.223 |
3.688 |
3.215 |
3.034 |
3.179 |
|
>$424K |
3.950 |
3.375 |
3.875 |
------ |
3.375 |
3.625 |
APR |
3.985 |
3.422 |
3.897 |
------ |
3.421 |
3.667 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.898 |
3.665 |
4.276 |
------ |
3.532 |
3.668 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.276 |
3.725 |
4.049 |
3.769 |
3.662 |
3.912 |
|
******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$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 |
3.750 |
4.000 |
>$424K |
4.250 |
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 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.777 |
3.173 |
3.648 |
3.142 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.873 |
3.622 |
4.242 |
------ |
3.508 |
3.644 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.246 |
3.674 |
4.009 |
3.695 |
3.634 |
3.884 |
|
******************************* 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 |
3.950 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
>$424K |
4.250 |
3.875 |
4.500 |
------ |
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 |
4.000 |
4.125 |
>$424K |
4.375 |
4.250 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.771 |
3.180 |
3.654 |
3.152 |
3.010 |
3.155 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.876 |
3.627 |
4.246 |
------ |
3.511 |
3.646 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.157 |
3.680 |
4.015 |
3.705 |
3.637 |
3.888 |
|
******************************* 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 |
4.000 |
3.375 |
3.875 |
3.375 |
4.250 |
4.250 |
>$424K |
4.375 |
4.250 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
4.000 |
------ |
4.875 |
>$424K |
4.375 |
4.250 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.775 |
3.188 |
3.660 |
3.144 |
3.034 |
3.179 |
|
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
APR |
4.127 |
3.907 |
4.247 |
------ |
3.628 |
3.878 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.750 |
3.625 |
3.625 |
3.875 |
APR |
4.161 |
3.689 |
3.779 |
3.717 |
3.683 |
3.933 |
|
******************************* 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 |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
4.500 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.784 |
3.203 |
3.672 |
3.186 |
3.033 |
3.178 |
|
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
APR |
4.129 |
3.908 |
4.247 |
------ |
3.628 |
3.878 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.170 |
3.705 |
4.034 |
3.740 |
3.683 |
3.934 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
4.250 |
4.250 |
>$424K |
4.250 |
4.000 |
4.625 |
------ |
4.000 |
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 |
------ |
4.875 |
>$424K |
4.375 |
4.250 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.799 |
3.229 |
3.692 |
3.223 |
3.047 |
3.192 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.882 |
3.638 |
4.255 |
------ |
3.517 |
3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.185 |
3.730 |
4.054 |
3.778 |
3.698 |
3.949 |
|
******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
4.000 |
Jumbo |
4.125 |
3.750 |
4.375 |
------ |
3.750 |
3.990 |
|
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 |
3.750 |
4.000 |
>$424K |
4.250 |
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 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.770 |
3.172 |
3.650 |
3.151 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.873 |
3.621 |
4.242 |
------ |
3.508 |
3.643 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
APR |
3.868 |
3.613 |
4.234 |
------ |
3.503 |
3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.246 |
3.673 |
4.009 |
3.694 |
3.633 |
3.883 |