******************************* 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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.750 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.625 |
|
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 |
3.875 |
4.125 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.790 |
3.205 |
3.665 |
3.189 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.375 |
3.750 |
3.250 |
3.250 |
3.625 |
APR |
3.921 |
3.404 |
3.770 |
3.317 |
3.295 |
3.660 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.375 |
APR |
3.877 |
3.647 |
4.276 |
------ |
3.407 |
3.418 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.182 |
3.725 |
4.035 |
3.769 |
3.662 |
3.912 |
|
******************************* 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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.750 |
|
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 |
3.750 |
3.990 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.760 |
3.155 |
3.622 |
3.116 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.853 |
3.604 |
4.242 |
------ |
3.393 |
3.513 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.153 |
3.674 |
3.995 |
3.695 |
3.634 |
3.884 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.250 |
3.500 |
>$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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
4.125 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.757 |
3.161 |
3.619 |
3.126 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.855 |
3.608 |
4.246 |
------ |
3.396 |
3.516 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.146 |
3.680 |
4.000 |
3.705 |
3.637 |
3.888 |
|
******************************* 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 |
3.375 |
3.875 |
3.375 |
3.875 |
4.125 |
>$424K |
4.125 |
4.125 |
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 |
4.250 |
3.750 |
4.000 |
3.875 |
------ |
4.875 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
4.000 |
4.125 |
|
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 |
2.875 |
3.125 |
APR |
3.765 |
3.170 |
3.646 |
3.118 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.885 |
3.744 |
4.247 |
------ |
3.503 |
3.514 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.625 |
3.875 |
APR |
4.151 |
3.689 |
3.954 |
3.717 |
3.683 |
3.933 |
|
******************************* 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 |
3.625 |
3.875 |
3.625 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
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 |
2.875 |
3.125 |
APR |
3.774 |
3.185 |
3.658 |
3.140 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.889 |
3.748 |
4.247 |
------ |
3.507 |
3.516 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.160 |
3.705 |
4.019 |
3.740 |
3.683 |
3.934 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
4.125 |
4.250 |
>$424K |
4.250 |
3.875 |
4.625 |
------ |
4.000 |
4.125 |
|
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 |
4.375 |
4.625 |
>$424K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
4.125 |
|
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 |
2.875 |
3.125 |
APR |
3.788 |
3.211 |
3.694 |
3.177 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.862 |
3.619 |
4.255 |
------ |
3.402 |
3.522 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.175 |
3.730 |
4.039 |
3.778 |
3.698 |
3.949 |
|
******************************* 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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.750 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.875 |
3.375 |
3.750 |
3.990 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.753 |
3.154 |
3.613 |
3.115 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.852 |
3.603 |
4.242 |
------ |
3.393 |
3.513 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.375 |
APR |
3.848 |
3.594 |
4.234 |
------ |
3.376 |
3.389 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.152 |
3.673 |
3.994 |
3.694 |
3.633 |
3.883 |