******************************* 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 |
3.625 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.500 |
3.875 |
------ |
3.750 |
4.000 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
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 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
2.875 |
3.125 |
APR |
3.783 |
3.205 |
3.631 |
3.189 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.375 |
3.875 |
------ |
3.250 |
3.750 |
APR |
3.912 |
3.422 |
3.882 |
------ |
3.295 |
3.777 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.867 |
3.647 |
4.276 |
------ |
3.417 |
3.658 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.171 |
3.725 |
3.953 |
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 |
3.625 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
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 |
3.950 |
3.375 |
3.750 |
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 |
2.875 |
3.125 |
APR |
3.753 |
3.155 |
3.592 |
3.116 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.843 |
3.604 |
4.242 |
------ |
3.393 |
3.633 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.142 |
3.674 |
3.913 |
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 |
3.875 |
3.375 |
3.750 |
3.375 |
3.250 |
3.500 |
>$424K |
4.125 |
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 |
4.000 |
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 |
2.875 |
3.125 |
APR |
3.751 |
3.161 |
3.597 |
3.126 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.845 |
3.608 |
4.246 |
------ |
3.396 |
3.636 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.136 |
3.680 |
3.918 |
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 |
3.875 |
3.375 |
3.750 |
3.375 |
------ |
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 |
4.000 |
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 |
3.625 |
3.125 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.681 |
3.170 |
3.563 |
3.118 |
2.928 |
3.169 |
|
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
APR |
4.124 |
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 |
4.000 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.057 |
3.689 |
3.925 |
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 |
4.000 |
3.625 |
3.875 |
3.625 |
------ |
------ |
>$424K |
5.125 |
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 |
4.000 |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.764 |
3.185 |
3.576 |
3.140 |
2.927 |
3.168 |
|
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
APR |
4.126 |
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 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.149 |
3.705 |
3.937 |
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 |
>$424K |
4.125 |
3.875 |
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 |
3.875 |
3.625 |
------ |
4.875 |
>$424K |
4.500 |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.778 |
3.211 |
3.596 |
3.177 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.851 |
3.619 |
4.255 |
------ |
3.402 |
3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.164 |
3.730 |
3.958 |
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 |
3.625 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
4.000 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
3.750 |
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 |
2.875 |
3.125 |
APR |
3.746 |
3.154 |
3.599 |
3.115 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.842 |
3.603 |
4.242 |
------ |
3.393 |
3.633 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.625 |
APR |
3.837 |
3.594 |
4.234 |
------ |
3.388 |
3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.142 |
3.673 |
3.912 |
3.694 |
3.633 |
3.883 |