******************************* 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 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.375 |
------ |
------ |
------ |
------ |
Jumbo |
4.125 |
3.750 |
------ |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$424K |
4.250 |
3.875 |
4.250 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.785 |
3.169 |
3.660 |
3.116 |
3.043 |
3.294 |
|
>$424K |
4.000 |
3.250 |
------ |
------ |
------ |
------ |
APR |
4.016 |
3.296 |
------ |
------ |
------ |
------ |
|
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.898 |
3.577 |
------ |
------ |
3.783 |
3.908 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.182 |
3.599 |
4.021 |
3.644 |
------ |
------ |
|
******************************* 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 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
------ |
------ |
4.250 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.757 |
3.119 |
3.620 |
3.043 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.873 |
3.533 |
------ |
------ |
3.759 |
3.884 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.153 |
3.548 |
3.981 |
3.570 |
------ |
------ |
|
******************************* 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 |
3.250 |
------ |
------ |
>$424K |
4.250 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.750 |
3.125 |
3.625 |
3.053 |
3.020 |
3.270 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.876 |
3.538 |
------ |
------ |
3.761 |
3.886 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.146 |
3.555 |
3.986 |
3.580 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.875 |
4.250 |
3.990 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.755 |
3.081 |
3.632 |
3.065 |
3.044 |
3.295 |
|
>$424K |
4.125 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.101 |
3.772 |
------ |
------ |
3.883 |
3.887 |
|
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 |
------ |
------ |
APR |
4.151 |
3.564 |
3.954 |
3.592 |
------ |
------ |
|
******************************* 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 |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.764 |
3.096 |
3.644 |
3.088 |
3.043 |
3.293 |
|
>$424K |
4.125 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.103 |
3.776 |
------ |
------ |
3.886 |
3.890 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.160 |
3.579 |
4.005 |
3.615 |
------ |
------ |
|
******************************* 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 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$424K |
4.250 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.778 |
3.122 |
3.664 |
3.124 |
3.056 |
3.307 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.882 |
3.549 |
------ |
------ |
3.767 |
3.892 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.175 |
3.605 |
4.025 |
3.652 |
------ |
------ |
|
******************************* 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 |
3.250 |
3.750 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
------ |
------ |
4.250 |
------ |
Jumbo |
4.125 |
3.750 |
------ |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.756 |
3.118 |
3.619 |
3.042 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.873 |
3.533 |
------ |
------ |
3.758 |
3.883 |
|
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.868 |
3.524 |
------ |
------ |
3.753 |
3.878 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.152 |
3.547 |
3.980 |
3.569 |
------ |
------ |