******************************* 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 | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 3.875 | 3.125 | 3.750 | 3.250 | 4.000 | 4.500 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.875 | 3.875 |
>$484K | 4.375 | 3.875 | 4.250 | 3.750 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.644 | 3.034 | 3.409 | 3.023 | 3.414 | 3.519 |
|
>$484K | 3.750 | 3.125 | 3.375 | 3.125 | 3.750 | 4.375 |
APR | 3.785 | 3.146 | 3.429 | 3.171 | 3.783 | 4.410 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.007 | 3.512 | ------ | ------ | 3.537 | 3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.291 | 3.678 | 4.071 | 3.675 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
>$484K | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.750 | 4.000 | ------ | ------ | 4.375 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.617 | 2.986 | 3.372 | 2.954 | 3.387 | 3.492 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 3.985 | 3.474 | ------ | ------ | 3.516 | 3.631 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.263 | 3.629 | 4.032 | 3.605 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.125 | 3.750 | 3.125 | 3.625 | 3.750 |
>$484K | 4.375 | 3.875 | ------ | ------ | 4.125 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.875 | 3.375 | ------ | 4.625 |
>$484K | 4.875 | 4.250 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.526 | 2.992 | 3.376 | 2.962 | 3.391 | 3.495 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 3.987 | 3.478 | ------ | ------ | 3.518 | 3.633 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.152 | 3.635 | 4.037 | 3.613 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.375 | 3.875 | 3.250 | ------ | ------ |
>$484K | 4.875 | 4.125 | ------ | ------ | ------ | 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 | 4.375 | 4.000 | ------ | ------ |
>$484K | 5.000 | 4.250 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.535 | 3.009 | 3.535 | 2.986 | 3.420 | 3.525 |
|
>$484K | 4.250 | 3.750 | ------ | ------ | 4.000 | 4.000 |
APR | 4.269 | 3.736 | ------ | ------ | 3.998 | 3.994 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.500 | ------ | ------ |
APR | 4.047 | 3.652 | 4.050 | 3.645 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.000 | 3.375 | 3.000 | 3.500 | 3.500 |
>$484K | 4.125 | 3.625 | ------ | ------ | 3.875 | 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.518 | 2.978 | 3.357 | 2.942 | 3.383 | 3.488 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.625 | 3.625 |
APR | 3.992 | 3.487 | ------ | ------ | 3.628 | 3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.143 | 3.621 | 4.025 | 3.593 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.625 | 4.000 | 3.500 | ------ | ------ |
>$484K | 5.125 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.750 | 4.250 | 3.625 | ------ | ------ |
>$484K | ------ | 4.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.544 | 3.024 | 3.547 | 3.009 | 3.418 | 3.524 |
|
>$484K | 4.250 | 3.750 | ------ | ------ | 4.000 | 4.000 |
APR | 4.272 | 3.741 | ------ | ------ | 4.000 | 3.997 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.056 | 3.668 | 4.063 | 3.660 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.375 | 3.875 | 3.375 | ------ | ------ |
>$484K | 4.375 | 4.125 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$484K | 5.000 | 4.250 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.558 | 3.049 | 3.567 | 3.046 | 3.433 | 3.538 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 3.997 | 3.494 | ------ | ------ | 3.527 | 3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.070 | 3.694 | 4.083 | 3.698 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
>$484K | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.750 | 4.000 | ------ | ------ | 4.375 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.617 | 2.986 | 3.371 | 2.953 | 3.387 | 3.492 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 3.985 | 3.473 | ------ | ------ | 3.515 | 3.630 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 3.979 | 3.463 | ------ | ------ | 3.510 | 3.625 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.263 | 3.629 | 4.032 | 3.604 | ------ | ------ |