******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 4.000 | 3.375 | 4.000 | 3.375 | 3.750 | 3.750 |
>$484K | 4.250 | 3.500 | 4.000 | 3.375 | 4.000 | 4.625 |
Jumbo | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.125 | 3.625 | 4.000 | 4.000 |
>$484K | 4.500 | 4.000 | 4.500 | 4.000 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.905 | 3.321 | 3.888 | 3.326 | 3.539 | 3.654 |
|
>$484K | 4.000 | 3.375 | 4.000 | 3.250 | 3.875 | 4.375 |
APR | 4.042 | 3.429 | 4.011 | 3.319 | 3.908 | 4.419 |
|
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.278 | 3.655 | ------ | ------ | 3.527 | 3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.509 | 3.965 | 4.432 | 3.979 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 4.000 | 3.375 | 3.875 | 3.375 | 3.750 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | 3.875 | 3.875 |
>$484K | 4.875 | 4.250 | ------ | ------ | 4.375 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.877 | 3.272 | 3.850 | 3.256 | 3.512 | 3.627 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.256 | 3.617 | ------ | ------ | 3.506 | 3.620 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.481 | 3.916 | 4.393 | 3.908 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 4.000 | 3.625 | 4.000 | 3.500 | 3.875 | 3.875 |
>$484K | 4.625 | 4.125 | ------ | ------ | 4.125 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.250 | 3.625 | 4.750 | 4.625 |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.870 | 3.278 | 3.854 | 3.264 | 3.516 | 3.631 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.258 | 3.621 | ------ | ------ | 3.508 | 3.623 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.402 | 3.922 | 4.398 | 3.916 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | 4.875 |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.750 | 4.125 | 4.500 | 4.125 | ------ | ------ |
>$484K | 5.000 | 4.500 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.625 |
APR | 3.880 | 3.295 | 3.828 | 3.269 | 3.545 | 3.660 |
|
>$484K | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 |
APR | 4.506 | 3.873 | ------ | ------ | 3.767 | 3.893 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
APR | 4.412 | 3.939 | 4.330 | 3.941 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. 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 |
<=$484K | 3.875 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 |
>$484K | 4.500 | 3.750 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | ------ | ------ | ------ | ------ | ------ | ------ |
>$484K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.862 | 3.264 | 3.843 | 3.244 | 3.508 | 3.623 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.263 | 3.630 | ------ | ------ | 3.513 | 3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.394 | 3.908 | 4.386 | 3.895 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$484K | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.500 | 4.000 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.889 | 3.311 | 3.880 | 3.312 | 3.544 | 3.659 |
|
>$484K | 4.500 | 3.875 | ------ | ------ | 3.750 | 3.875 |
APR | 4.509 | 3.877 | ------ | ------ | 3.769 | 3.896 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.421 | 3.955 | 4.424 | 3.964 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.250 | 3.750 | 4.250 | 3.625 | ------ | 4.875 |
>$484K | 4.625 | 4.250 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
>$484K | 5.000 | 4.500 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.903 | 3.336 | 3.900 | 3.349 | 3.558 | 3.673 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.268 | 3.638 | ------ | ------ | 3.517 | 3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.436 | 3.981 | 4.444 | 4.001 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 4.000 | 3.375 | 3.875 | 3.375 | 3.750 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
Jumbo | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | 3.875 | 3.875 |
>$484K | 4.875 | 4.250 | ------ | ------ | 4.250 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.877 | 3.272 | 3.849 | 3.255 | 3.512 | 3.627 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.255 | 3.616 | ------ | ------ | 3.505 | 3.620 |
|
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.250 | 3.607 | ------ | ------ | 3.500 | 3.615 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.481 | 3.915 | 4.392 | 3.907 | ------ | ------ |