******************************* 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 |
4.000 |
3.375 |
3.875 |
3.375 |
4.125 |
4.250 |
>$424K |
4.200 |
3.750 |
4.125 |
------ |
4.000 |
4.125 |
Jumbo |
4.250 |
4.000 |
4.500 |
------ |
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 |
4.125 |
4.250 |
>$424K |
4.700 |
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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.625 |
APR |
3.900 |
3.330 |
3.770 |
3.367 |
3.304 |
3.680 |
|
>$424K |
3.990 |
3.500 |
3.990 |
------ |
3.875 |
4.000 |
APR |
4.029 |
3.583 |
4.013 |
------ |
3.903 |
4.028 |
|
Jumbo |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.033 |
3.916 |
4.401 |
------ |
3.658 |
3.783 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.000 |
APR |
4.307 |
3.957 |
4.146 |
3.993 |
3.912 |
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 |
3.950 |
3.375 |
3.875 |
3.375 |
4.000 |
4.125 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
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 |
4.000 |
4.125 |
>$424K |
4.500 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.625 |
APR |
3.871 |
3.280 |
3.731 |
3.293 |
3.276 |
3.652 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.009 |
3.872 |
4.367 |
------ |
3.633 |
3.759 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.000 |
APR |
4.278 |
3.905 |
4.106 |
3.919 |
3.884 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.250 |
4.250 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
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 |
4.250 |
4.250 |
>$424K |
4.875 |
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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.625 |
APR |
3.865 |
3.287 |
3.736 |
3.303 |
3.280 |
3.656 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.011 |
3.877 |
4.371 |
------ |
3.636 |
3.761 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.000 |
APR |
4.271 |
3.912 |
4.111 |
3.929 |
3.888 |
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 |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
4.125 |
4.125 |
------ |
------ |
5.000 |
>$424K |
4.875 |
4.375 |
4.625 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.250 |
3.625 |
APR |
3.870 |
3.295 |
3.703 |
3.315 |
3.305 |
3.681 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
APR |
4.255 |
4.033 |
4.372 |
------ |
3.878 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.276 |
3.921 |
4.065 |
3.941 |
3.933 |
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 |
4.250 |
3.875 |
4.000 |
3.875 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.750 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
4.000 |
4.125 |
4.000 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.750 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
3.625 |
APR |
3.878 |
3.311 |
3.755 |
3.338 |
3.303 |
3.679 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
APR |
4.257 |
4.033 |
4.372 |
------ |
3.878 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.285 |
3.937 |
4.077 |
3.964 |
3.934 |
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 |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
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 |
3.875 |
------ |
5.000 |
>$424K |
5.000 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
3.625 |
APR |
3.893 |
3.336 |
3.775 |
3.375 |
3.317 |
3.694 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.018 |
3.888 |
4.380 |
------ |
3.642 |
3.767 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.300 |
3.963 |
4.097 |
4.001 |
3.949 |
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 |
3.950 |
3.375 |
3.875 |
3.375 |
4.000 |
4.125 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
Jumbo |
4.250 |
4.000 |
4.500 |
------ |
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 |
4.000 |
4.125 |
>$424K |
4.500 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.625 |
APR |
3.876 |
3.279 |
3.742 |
3.292 |
3.276 |
3.651 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.008 |
3.871 |
4.367 |
------ |
3.633 |
3.758 |
|
Jumbo |
4.000 |
3.875 |
4.375 |
------ |
3.625 |
3.750 |
APR |
4.003 |
3.862 |
4.359 |
------ |
3.628 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.000 |
APR |
4.277 |
3.904 |
4.105 |
3.918 |
3.883 |
4.008 |