******************************* 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 |
3.750 |
3.375 |
4.125 |
4.250 |
>$424K |
4.125 |
3.625 |
4.125 |
------ |
4.000 |
4.125 |
Jumbo |
4.125 |
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 |
3.500 |
3.875 |
3.500 |
4.125 |
4.250 |
>$424K |
4.700 |
4.375 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.500 |
3.625 |
APR |
3.900 |
3.312 |
3.756 |
3.340 |
3.555 |
3.680 |
|
>$424K |
3.950 |
3.500 |
3.950 |
------ |
3.875 |
4.000 |
APR |
3.998 |
3.547 |
4.017 |
------ |
3.903 |
4.028 |
|
Jumbo |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
4.023 |
3.827 |
4.527 |
------ |
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 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.297 |
3.920 |
4.078 |
3.940 |
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 |
4.000 |
3.375 |
3.750 |
3.375 |
4.000 |
4.125 |
>$424K |
4.250 |
4.250 |
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 |
3.500 |
3.875 |
3.500 |
4.000 |
4.125 |
>$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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.500 |
3.625 |
APR |
3.871 |
3.262 |
3.717 |
3.267 |
3.527 |
3.652 |
|
>$424K |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
3.998 |
3.784 |
4.492 |
------ |
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 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.267 |
3.869 |
4.038 |
3.866 |
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 |
4.250 |
4.500 |
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 |
3.625 |
4.000 |
3.625 |
4.250 |
4.250 |
>$424K |
5.000 |
4.500 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.500 |
3.625 |
APR |
3.865 |
3.268 |
3.722 |
3.277 |
3.530 |
3.656 |
|
>$424K |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
4.001 |
3.788 |
4.496 |
------ |
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 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.261 |
3.875 |
4.044 |
3.876 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
5.000 |
>$424K |
4.500 |
4.500 |
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 |
4.375 |
4.125 |
4.250 |
------ |
------ |
5.000 |
>$424K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.500 |
3.625 |
APR |
3.806 |
3.277 |
3.689 |
3.243 |
3.555 |
3.681 |
|
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.000 |
APR |
4.257 |
4.158 |
4.497 |
------ |
3.878 |
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 |
3.875 |
4.000 |
APR |
4.182 |
3.832 |
4.050 |
3.869 |
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 |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
5.375 |
4.750 |
5.125 |
------ |
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 |
3.875 |
4.125 |
3.875 |
------ |
------ |
>$424K |
5.375 |
4.750 |
5.125 |
------ |
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 |
3.625 |
3.125 |
3.500 |
3.625 |
APR |
3.878 |
3.292 |
3.701 |
3.266 |
3.554 |
3.679 |
|
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.000 |
APR |
4.259 |
4.158 |
4.497 |
------ |
3.878 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
3.875 |
4.000 |
APR |
4.275 |
3.848 |
4.063 |
3.892 |
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 |
3.625 |
4.000 |
3.625 |
------ |
5.000 |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
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 |
4.000 |
3.875 |
------ |
5.000 |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
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 |
3.125 |
3.500 |
3.625 |
APR |
3.893 |
3.318 |
3.721 |
3.303 |
3.568 |
3.694 |
|
>$424K |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
4.007 |
3.800 |
4.505 |
------ |
3.642 |
3.767 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
3.875 |
4.000 |
APR |
4.289 |
3.874 |
4.083 |
3.930 |
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 |
4.000 |
3.375 |
3.750 |
3.375 |
4.000 |
4.125 |
>$424K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
4.125 |
Jumbo |
4.125 |
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 |
3.500 |
3.875 |
3.500 |
4.000 |
4.125 |
>$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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.500 |
3.625 |
APR |
3.871 |
3.261 |
3.716 |
3.266 |
3.526 |
3.651 |
|
>$424K |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
3.998 |
3.783 |
4.492 |
------ |
3.633 |
3.758 |
|
Jumbo |
4.000 |
3.750 |
4.500 |
------ |
3.625 |
3.750 |
APR |
3.993 |
3.774 |
4.484 |
------ |
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 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.267 |
3.868 |
4.037 |
3.864 |
3.883 |
4.008 |