******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.125 |
>$453K |
4.750 |
4.125 |
4.750 |
------ |
4.000 |
------ |
Jumbo |
4.625 |
4.625 |
------ |
------ |
4.375 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
------ |
------ |
>$453K |
4.750 |
4.250 |
5.250 |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.505 |
3.920 |
4.315 |
3.940 |
3.921 |
3.931 |
|
>$453K |
4.500 |
4.000 |
4.625 |
------ |
3.875 |
------ |
APR |
4.549 |
4.066 |
4.669 |
------ |
3.912 |
------ |
|
Jumbo |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.524 |
4.328 |
------ |
------ |
4.033 |
4.044 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
APR |
4.913 |
4.477 |
4.756 |
4.521 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.125 |
>$453K |
4.750 |
4.750 |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.475 |
3.869 |
4.274 |
3.866 |
3.892 |
3.902 |
|
>$453K |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.498 |
4.284 |
------ |
------ |
4.009 |
4.019 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
APR |
4.882 |
4.425 |
4.715 |
4.446 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.625 |
4.125 |
4.500 |
4.125 |
4.375 |
4.250 |
>$453K |
4.875 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.407 |
3.875 |
4.279 |
3.876 |
3.896 |
3.906 |
|
>$453K |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.501 |
4.289 |
------ |
------ |
4.011 |
4.022 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
APR |
4.875 |
4.431 |
4.721 |
4.456 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.250 |
3.750 |
3.875 |
3.875 |
APR |
4.412 |
3.851 |
4.286 |
3.896 |
3.921 |
3.932 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.997 |
4.533 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.810 |
4.440 |
4.691 |
4.469 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
------ |
4.750 |
------ |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.421 |
3.900 |
4.299 |
3.911 |
3.920 |
3.930 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.998 |
4.534 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.890 |
4.456 |
4.704 |
4.492 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
>$453K |
5.375 |
4.875 |
5.125 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.436 |
3.926 |
4.319 |
3.948 |
3.934 |
3.945 |
|
>$453K |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.507 |
4.300 |
------ |
------ |
4.018 |
4.028 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.905 |
4.483 |
4.725 |
4.530 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.125 |
>$453K |
4.750 |
4.750 |
------ |
------ |
4.375 |
4.375 |
Jumbo |
4.625 |
4.625 |
------ |
------ |
4.375 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
3.875 |
4.250 |
3.875 |
3.875 |
3.875 |
APR |
4.474 |
3.868 |
4.273 |
3.864 |
3.891 |
3.902 |
|
>$453K |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.498 |
4.283 |
------ |
------ |
4.008 |
4.019 |
|
Jumbo |
4.500 |
4.250 |
------ |
------ |
4.000 |
4.000 |
APR |
4.493 |
4.275 |
------ |
------ |
4.003 |
4.014 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
------ |
------ |
------ |
APR |
4.882 |
4.424 |
4.715 |
------ |
------ |
------ |