******************************* 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 |
3.375 |
3.750 |
3.375 |
4.000 |
4.250 |
>$424K |
4.125 |
3.625 |
3.990 |
------ |
3.875 |
4.125 |
Jumbo |
4.250 |
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 |
4.000 |
3.625 |
3.875 |
3.625 |
4.000 |
4.250 |
>$424K |
4.625 |
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 |
3.875 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.879 |
3.312 |
3.702 |
3.340 |
3.169 |
3.419 |
|
>$424K |
3.950 |
3.500 |
3.875 |
------ |
3.750 |
4.000 |
APR |
3.980 |
3.565 |
3.909 |
------ |
3.778 |
4.028 |
|
Jumbo |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
4.023 |
3.934 |
4.401 |
------ |
3.542 |
3.773 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.286 |
3.938 |
4.064 |
3.966 |
3.787 |
4.038 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.875 |
4.125 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.625 |
3.875 |
3.625 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.851 |
3.262 |
3.662 |
3.267 |
3.141 |
3.392 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
3.998 |
3.890 |
4.367 |
------ |
3.518 |
3.748 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.257 |
3.887 |
4.024 |
3.892 |
3.759 |
4.009 |
|
******************************* 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 |
3.950 |
3.500 |
3.875 |
3.500 |
4.125 |
4.250 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
3.875 |
3.750 |
4.125 |
4.250 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.781 |
3.268 |
3.658 |
3.277 |
3.145 |
3.395 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
4.001 |
3.895 |
4.371 |
------ |
3.521 |
3.751 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.250 |
3.894 |
4.029 |
3.902 |
3.763 |
4.013 |
|
******************************* 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 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
4.125 |
4.250 |
4.375 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
APR |
3.796 |
3.277 |
3.674 |
3.269 |
3.169 |
3.420 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.236 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.182 |
3.851 |
4.036 |
3.896 |
3.808 |
4.059 |
|
******************************* 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 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
4.000 |
4.125 |
4.000 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.805 |
3.292 |
3.687 |
3.312 |
3.168 |
3.418 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.238 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.264 |
3.918 |
4.048 |
3.937 |
3.809 |
4.060 |
|
******************************* 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 |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.819 |
3.318 |
3.707 |
3.349 |
3.182 |
3.433 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
4.007 |
3.906 |
4.380 |
------ |
3.527 |
3.757 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.279 |
3.944 |
4.068 |
3.975 |
3.823 |
4.074 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.875 |
4.125 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
Jumbo |
4.250 |
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 |
4.000 |
3.625 |
3.875 |
3.625 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
3.250 |
3.625 |
3.250 |
3.125 |
3.375 |
APR |
3.776 |
3.261 |
3.652 |
3.266 |
3.141 |
3.391 |
|
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
3.998 |
3.890 |
4.367 |
------ |
3.518 |
3.748 |
|
Jumbo |
4.000 |
3.875 |
4.375 |
------ |
3.500 |
3.750 |
APR |
3.993 |
3.881 |
4.359 |
------ |
3.513 |
3.743 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
3.750 |
4.000 |
APR |
4.270 |
3.886 |
4.023 |
3.891 |
3.758 |
4.008 |