******************************* 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 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.625 |
3.625 |
Jumbo |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.625 |
|
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 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.771 |
3.098 |
3.577 |
3.090 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
APR |
3.901 |
3.276 |
3.731 |
3.254 |
3.295 |
3.520 |
|
Jumbo |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.867 |
3.577 |
4.151 |
------ |
3.403 |
3.415 |
|
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 |
3.750 |
APR |
4.161 |
3.688 |
3.953 |
3.716 |
3.662 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.625 |
|
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 |
3.875 |
>$424K |
4.000 |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.741 |
3.048 |
3.538 |
3.017 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.843 |
3.533 |
4.117 |
------ |
3.380 |
3.392 |
|
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 |
3.750 |
APR |
4.132 |
3.637 |
3.913 |
3.642 |
3.634 |
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 |
3.250 |
3.500 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
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 |
3.875 |
4.000 |
>$424K |
4.250 |
4.125 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.739 |
3.054 |
3.540 |
3.027 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.845 |
3.538 |
4.121 |
------ |
3.382 |
3.394 |
|
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 |
3.750 |
APR |
4.125 |
3.644 |
3.918 |
3.652 |
3.637 |
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 |
3.375 |
3.750 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
4.750 |
>$424K |
4.250 |
4.125 |
4.375 |
------ |
4.000 |
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 |
2.875 |
3.125 |
APR |
3.681 |
3.063 |
3.549 |
3.019 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.625 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.866 |
3.642 |
4.122 |
------ |
3.378 |
3.390 |
|
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 |
3.625 |
3.750 |
APR |
4.057 |
3.582 |
3.925 |
3.619 |
3.683 |
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 |
4.375 |
4.375 |
4.750 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
4.375 |
4.375 |
4.750 |
------ |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.753 |
3.078 |
3.561 |
3.061 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.625 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.870 |
3.647 |
4.122 |
------ |
3.383 |
3.395 |
|
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 |
3.625 |
3.750 |
APR |
4.139 |
3.598 |
3.937 |
3.642 |
3.683 |
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 |
3.875 |
4.125 |
>$424K |
4.125 |
3.875 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
4.375 |
4.375 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.768 |
3.104 |
3.581 |
3.098 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.851 |
3.549 |
4.130 |
------ |
3.388 |
3.400 |
|
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 |
3.625 |
3.750 |
APR |
4.154 |
3.623 |
3.958 |
3.679 |
3.698 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.625 |
Jumbo |
3.875 |
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 |
3.375 |
3.750 |
3.375 |
3.750 |
3.875 |
>$424K |
4.000 |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.734 |
3.047 |
3.534 |
3.016 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.842 |
3.533 |
4.117 |
------ |
3.379 |
3.391 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.756 |
3.524 |
4.109 |
------ |
3.262 |
3.366 |
|
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 |
3.750 |
APR |
4.151 |
3.636 |
3.912 |
3.641 |
3.633 |
3.758 |