******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
4.125 |
4.375 |
>$453K |
4.200 |
3.750 |
4.200 |
------ |
4.000 |
4.250 |
Jumbo |
4.250 |
4.250 |
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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
4.125 |
4.375 |
>$453K |
4.625 |
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 |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.931 |
3.349 |
3.799 |
3.393 |
3.680 |
3.806 |
|
>$453K |
4.050 |
3.625 |
4.050 |
------ |
3.875 |
4.125 |
APR |
4.093 |
3.654 |
4.110 |
------ |
3.903 |
4.153 |
|
Jumbo |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.138 |
3.953 |
4.527 |
------ |
3.793 |
3.783 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.411 |
3.975 |
4.175 |
4.020 |
3.912 |
4.163 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
4.250 |
>$453K |
4.250 |
4.250 |
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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
4.875 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.902 |
3.298 |
3.759 |
3.320 |
3.652 |
3.777 |
|
>$453K |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.113 |
3.909 |
4.492 |
------ |
3.769 |
3.759 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.382 |
3.924 |
4.134 |
3.946 |
3.884 |
4.134 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
4.250 |
4.375 |
>$453K |
4.500 |
4.500 |
4.750 |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
4.250 |
4.375 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.896 |
3.305 |
3.765 |
3.330 |
3.656 |
3.781 |
|
>$453K |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.115 |
3.913 |
4.496 |
------ |
3.771 |
3.761 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.375 |
3.931 |
4.140 |
3.955 |
3.888 |
4.138 |
|
******************************* 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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.125 |
4.250 |
------ |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.901 |
3.313 |
3.771 |
3.342 |
3.681 |
3.806 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
APR |
4.747 |
4.158 |
4.497 |
------ |
3.878 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.297 |
3.939 |
4.146 |
3.968 |
3.933 |
4.184 |
|
******************************* 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 |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.750 |
4.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.125 |
4.250 |
4.125 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.750 |
4.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.909 |
3.329 |
3.783 |
3.364 |
3.679 |
3.805 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
APR |
4.748 |
4.158 |
4.497 |
------ |
3.878 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.306 |
3.955 |
4.159 |
3.991 |
3.934 |
4.185 |
|
******************************* 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 |
<=$453K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
5.125 |
>$453K |
4.500 |
4.500 |
4.875 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
------ |
5.125 |
>$453K |
5.125 |
4.500 |
4.875 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.924 |
3.354 |
3.803 |
3.402 |
3.694 |
3.819 |
|
>$453K |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.122 |
3.925 |
4.505 |
------ |
3.778 |
3.767 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.321 |
3.981 |
4.179 |
4.028 |
3.949 |
4.200 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
4.250 |
>$453K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
4.250 |
Jumbo |
4.250 |
4.250 |
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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
4.000 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
APR |
3.902 |
3.297 |
3.776 |
3.318 |
3.651 |
3.777 |
|
>$453K |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.112 |
3.908 |
4.492 |
------ |
3.768 |
3.758 |
|
Jumbo |
4.125 |
3.875 |
4.500 |
------ |
3.750 |
3.750 |
APR |
4.107 |
3.899 |
4.484 |
------ |
3.763 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
3.875 |
4.125 |
APR |
4.390 |
3.923 |
4.134 |
3.944 |
3.883 |
4.133 |