******************************* 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 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 3.750 | 3.250 | ------ | ------ | 3.750 | ------ |
Jumbo | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
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 | 3.750 | 3.750 |
>$484K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
|
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 | 3.250 | 3.250 |
APR | 3.529 | 3.034 | 3.444 | 3.023 | 3.289 | 3.299 |
|
>$484K | 3.750 | 3.125 | ------ | ------ | 3.625 | ------ |
APR | 3.742 | 3.183 | ------ | ------ | 3.658 | ------ |
|
Jumbo | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.996 | 3.673 | ------ | ------ | 3.892 | 3.912 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 4.030 | 3.589 | 3.931 | 3.603 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.125 | 3.500 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
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 | 3.125 | 3.625 | 3.750 |
>$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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
APR | 3.502 | 2.986 | 3.407 | 2.954 | 3.262 | 3.272 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.975 | 3.635 | ------ | ------ | 3.870 | 3.891 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 4.002 | 3.541 | 3.893 | 3.533 | ------ | ------ |
|
******************************* 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 | 3.125 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.375 | 4.000 | ------ | ------ | 4.250 | ------ |
|
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 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
|
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 | 3.250 | 3.250 |
APR | 3.495 | 2.992 | 3.411 | 2.962 | 3.265 | 3.275 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.977 | 3.639 | ------ | ------ | 3.873 | 3.893 |
|
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 | 3.901 | 3.547 | 3.897 | 3.541 | ------ | ------ |
|
******************************* 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 | 3.250 | 3.250 |
APR | 3.420 | 3.009 | 3.424 | 3.019 | 3.295 | 3.305 |
|
>$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 | 3.375 | ------ | ------ |
APR | 3.911 | 3.564 | 3.911 | 3.520 | ------ | ------ |
|
******************************* 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 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
>$484K | 4.125 | 3.750 | ------ | ------ | 4.125 | 4.125 |
|
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 | 3.250 | 3.250 |
APR | 3.488 | 2.978 | 3.400 | 2.942 | 3.258 | 3.268 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.875 | 4.000 |
APR | 3.982 | 3.648 | ------ | ------ | 3.878 | 4.003 |
|
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 | 3.893 | 3.532 | 3.886 | 3.520 | ------ | ------ |
|
******************************* 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 | 3.375 | ------ | ------ |
>$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 | 4.000 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$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 | 3.250 | 3.250 |
APR | 3.429 | 3.024 | 3.436 | 3.009 | 3.293 | 3.303 |
|
>$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 | 3.875 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 3.920 | 3.579 | 3.923 | 3.588 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.250 | 3.750 | 3.250 | ------ | ------ |
>$484K | 4.375 | 4.125 | ------ | ------ | 4.250 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 5.000 | 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 | 3.250 | 3.250 |
APR | 3.443 | 3.049 | 3.456 | 3.046 | 3.307 | 3.317 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.987 | 3.656 | ------ | ------ | 3.882 | 3.903 |
|
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 | 3.934 | 3.605 | 3.943 | 3.626 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.125 | 3.500 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.250 |
Jumbo | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
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 | 3.125 | 3.625 | 3.750 |
>$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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
APR | 3.502 | 2.986 | 3.406 | 2.953 | 3.262 | 3.272 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.974 | 3.634 | ------ | ------ | 3.870 | 3.891 |
|
Jumbo | 4.000 | 3.625 | ------ | ------ | 3.875 | 3.875 |
APR | 3.969 | 3.625 | ------ | ------ | 3.865 | 3.885 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 4.002 | 3.540 | 3.892 | 3.532 | ------ | ------ |