******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.125 |
3.625 |
3.000 |
3.250 |
3.500 |
>$424K |
4.000 |
3.250 |
4.050 |
------ |
3.625 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.750 |
3.990 |
>$424K |
4.450 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.765 |
3.044 |
3.563 |
3.017 |
3.043 |
3.294 |
|
>$424K |
3.875 |
3.250 |
3.875 |
------ |
3.375 |
3.500 |
APR |
3.902 |
3.243 |
3.913 |
------ |
3.420 |
3.545 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.793 |
3.558 |
4.151 |
------ |
3.523 |
3.774 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.150 |
3.563 |
3.939 |
3.591 |
3.537 |
3.787 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.125 |
3.625 |
3.000 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.875 |
>$424K |
4.375 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
2.990 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.736 |
3.042 |
3.507 |
2.944 |
3.016 |
3.266 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.769 |
3.515 |
4.117 |
------ |
3.500 |
3.750 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.121 |
3.512 |
3.899 |
3.517 |
3.509 |
3.759 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
3.875 |
4.000 |
>$424K |
4.500 |
4.125 |
4.375 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.990 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.656 |
3.049 |
3.512 |
2.954 |
3.020 |
3.270 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.771 |
3.520 |
4.121 |
------ |
3.502 |
3.752 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.115 |
3.519 |
3.904 |
3.527 |
3.512 |
3.763 |
|
******************************* 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
------ |
4.125 |
>$424K |
4.375 |
4.125 |
4.375 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
4.500 |
>$424K |
4.625 |
4.125 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.660 |
2.973 |
3.535 |
2.966 |
3.044 |
3.295 |
|
>$424K |
4.125 |
3.750 |
4.125 |
------ |
3.500 |
3.750 |
APR |
4.119 |
3.782 |
4.122 |
------ |
3.503 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.500 |
3.750 |
APR |
4.047 |
3.475 |
3.911 |
3.520 |
3.557 |
3.808 |
|
******************************* 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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
4.500 |
>$424K |
5.000 |
4.375 |
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 |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
5.000 |
4.375 |
4.750 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.669 |
3.024 |
3.546 |
2.989 |
3.043 |
3.293 |
|
>$424K |
4.125 |
3.750 |
4.125 |
------ |
3.500 |
3.750 |
APR |
4.118 |
3.783 |
4.122 |
------ |
3.503 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.056 |
3.543 |
3.923 |
3.562 |
3.558 |
3.809 |
|
******************************* 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 |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
4.125 |
>$424K |
4.125 |
3.875 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
4.750 |
>$424K |
4.500 |
4.125 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.683 |
3.049 |
3.566 |
3.025 |
3.056 |
3.307 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.778 |
3.531 |
4.130 |
------ |
3.509 |
3.759 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.070 |
3.568 |
3.943 |
3.599 |
3.572 |
3.823 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.125 |
3.625 |
3.000 |
3.250 |
3.500 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.875 |
>$424K |
4.375 |
3.875 |
4.250 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
2.990 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.739 |
3.041 |
3.500 |
2.943 |
3.016 |
3.266 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.768 |
3.515 |
4.117 |
------ |
3.499 |
3.749 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.500 |
3.750 |
APR |
3.763 |
3.506 |
4.109 |
------ |
3.494 |
3.744 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.500 |
3.750 |
APR |
4.138 |
3.511 |
3.905 |
3.516 |
3.508 |
3.758 |