******************************* 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 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
>$424K |
4.125 |
3.625 |
4.125 |
------ |
3.875 |
4.125 |
Jumbo |
4.125 |
4.000 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
4.250 |
>$424K |
4.500 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.795 |
3.276 |
3.660 |
3.268 |
3.159 |
3.409 |
|
>$424K |
3.875 |
3.375 |
3.875 |
------ |
3.750 |
3.990 |
APR |
3.922 |
3.458 |
3.888 |
------ |
3.778 |
4.029 |
|
Jumbo |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.908 |
3.827 |
4.401 |
------ |
3.532 |
3.668 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.182 |
3.850 |
4.035 |
3.895 |
3.787 |
4.038 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
>$424K |
4.125 |
4.000 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.767 |
3.226 |
3.620 |
3.195 |
3.131 |
3.382 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.884 |
3.784 |
4.367 |
------ |
3.508 |
3.644 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.153 |
3.799 |
3.995 |
3.820 |
3.759 |
4.009 |
|
******************************* 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 |
4.125 |
4.250 |
>$424K |
4.250 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.625 |
3.875 |
3.625 |
4.125 |
4.250 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.760 |
3.232 |
3.625 |
3.204 |
3.135 |
3.385 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.886 |
3.788 |
4.371 |
------ |
3.511 |
3.646 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.146 |
3.806 |
4.000 |
3.830 |
3.763 |
4.013 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
------ |
5.000 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
4.125 |
4.125 |
4.375 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.500 |
3.125 |
3.125 |
3.375 |
APR |
3.765 |
3.224 |
3.578 |
3.216 |
3.159 |
3.410 |
|
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.139 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
3.875 |
3.750 |
3.750 |
4.000 |
APR |
4.151 |
3.814 |
3.954 |
3.843 |
3.808 |
4.059 |
|
******************************* 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 |
3.750 |
3.875 |
3.750 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
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 |
3.875 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.774 |
3.256 |
3.644 |
3.239 |
3.158 |
3.408 |
|
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.141 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.160 |
3.830 |
4.019 |
3.865 |
3.809 |
4.060 |
|
******************************* 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 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$424K |
4.250 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.788 |
3.281 |
3.664 |
3.276 |
3.172 |
3.423 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.892 |
3.800 |
4.380 |
------ |
3.517 |
3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.175 |
3.856 |
4.039 |
3.903 |
3.823 |
4.074 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
>$424K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
4.000 |
Jumbo |
4.125 |
4.000 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.764 |
3.225 |
3.621 |
3.193 |
3.131 |
3.381 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.883 |
3.783 |
4.367 |
------ |
3.508 |
3.643 |
|
Jumbo |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.878 |
3.774 |
4.359 |
------ |
3.503 |
3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.152 |
3.798 |
3.994 |
3.819 |
3.758 |
4.008 |