******************************* CALIFORNIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
3.125 |
3.500 |
3.125 |
3.375 |
3.375 |
>$484K |
3.750 |
3.250 |
------ |
------ |
3.625 |
------ |
Jumbo |
4.375 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.500 |
>$484K |
4.375 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.424 |
3.052 |
3.416 |
3.049 |
3.048 |
3.163 |
|
>$484K |
3.625 |
3.250 |
------ |
------ |
3.500 |
------ |
APR |
3.668 |
3.254 |
------ |
------ |
3.532 |
------ |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.038 |
3.762 |
------ |
------ |
3.902 |
4.038 |
|
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 |
4.176 |
3.678 |
4.056 |
3.675 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
3.500 |
3.125 |
3.500 |
3.125 |
3.250 |
3.250 |
>$484K |
4.375 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.625 |
3.250 |
3.500 |
3.500 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.397 |
3.004 |
3.378 |
2.980 |
3.022 |
3.137 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.016 |
3.723 |
------ |
------ |
3.881 |
4.016 |
|
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 |
4.148 |
3.629 |
4.018 |
3.605 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
3.250 |
3.625 |
3.125 |
3.375 |
3.375 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.375 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.391 |
3.010 |
3.383 |
2.988 |
3.025 |
3.140 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.018 |
3.727 |
------ |
------ |
3.883 |
4.018 |
|
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 |
4.026 |
3.635 |
4.022 |
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 |
3.750 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.000 |
4.125 |
3.750 |
------ |
------ |
>$484K |
5.000 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
2.875 |
3.000 |
3.125 |
APR |
3.400 |
3.027 |
3.396 |
3.019 |
3.054 |
3.169 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.145 |
3.846 |
------ |
------ |
3.890 |
4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
3.932 |
3.600 |
3.939 |
3.619 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, 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 |
3.500 |
3.125 |
3.500 |
3.000 |
3.250 |
3.250 |
>$484K |
4.375 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.383 |
2.996 |
3.372 |
2.968 |
3.017 |
3.133 |
|
>$484K |
4.125 |
3.750 |
------ |
------ |
3.875 |
4.125 |
APR |
4.128 |
3.736 |
------ |
------ |
3.888 |
4.117 |
|
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 |
4.018 |
3.621 |
4.011 |
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 |
3.875 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$484K |
5.125 |
4.500 |
------ |
------ |
------ |
------ |
|
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 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.408 |
3.042 |
3.408 |
3.035 |
3.052 |
3.168 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.148 |
3.851 |
------ |
------ |
3.893 |
4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
3.875 |
3.500 |
------ |
------ |
APR |
4.045 |
3.668 |
3.952 |
3.642 |
------ |
------ |
|
******************************* 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 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$484K |
5.000 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.423 |
3.067 |
3.428 |
3.072 |
3.066 |
3.182 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.028 |
3.744 |
------ |
------ |
3.892 |
4.028 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
3.875 |
3.500 |
------ |
------ |
APR |
4.060 |
3.694 |
3.972 |
3.679 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
3.500 |
3.125 |
3.500 |
3.125 |
3.250 |
3.250 |
>$484K |
4.375 |
3.875 |
------ |
------ |
4.125 |
4.375 |
Jumbo |
4.375 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.625 |
3.250 |
3.500 |
3.500 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.000 |
3.125 |
APR |
3.397 |
3.004 |
3.378 |
2.979 |
3.021 |
3.137 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.016 |
3.723 |
------ |
------ |
3.880 |
4.016 |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.010 |
3.713 |
------ |
------ |
3.875 |
4.010 |
|
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 |
4.148 |
3.629 |
4.017 |
3.604 |
------ |
------ |