******************************* 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 | 4.125 | 3.625 | 4.000 | 3.625 | 4.250 | 4.500 |
>$453K | 4.250 | 3.875 | 4.250 | ------ | 4.125 | 4.375 |
Jumbo | 4.250 | 4.375 | 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 | 4.500 |
>$453K | 4.750 | 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 | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.036 | 3.474 | 3.896 | 3.519 | 4.038 | 3.931 |
|
>$453K | 4.125 | 3.750 | 4.125 | ------ | 4.000 | 4.250 |
APR | 4.160 | 3.797 | 4.173 | ------ | 4.028 | 4.279 |
|
Jumbo | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.158 | 4.059 | 4.652 | ------ | 3.898 | 3.898 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.526 | 4.101 | 4.300 | 4.145 | 4.038 | 4.288 |
|
******************************* 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 | 4.125 | 3.625 | 4.000 | 3.625 | 4.125 | 4.375 |
>$453K | 4.375 | 4.375 | 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 | 4.125 | 4.375 |
>$453K | 5.000 | 4.375 | 4.750 | ------ | 4.125 | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.007 | 3.423 | 3.856 | 3.445 | 4.009 | 3.902 |
|
>$453K | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.134 | 4.015 | 4.617 | ------ | 3.873 | 3.873 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.496 | 4.049 | 4.259 | 4.071 | 4.009 | 4.259 |
|
******************************* 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 | 3.750 | 4.000 | 3.750 | 4.375 | 4.500 |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.250 | 4.500 |
|
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 | 4.375 | 4.500 |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.250 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.000 | 3.430 | 3.861 | 3.455 | 4.013 | 3.906 |
|
>$453K | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.136 | 4.020 | 4.621 | ------ | 3.876 | 3.876 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.490 | 4.056 | 4.265 | 4.081 | 4.013 | 4.263 |
|
******************************* 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 | 4.250 | 3.750 | 4.000 | 3.750 | ------ | 5.250 |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.250 | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.375 | 4.375 | ------ | ------ | 5.250 |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.005 | 3.438 | 3.868 | 3.467 | 4.059 | 3.932 |
|
>$453K | 4.875 | 4.250 | 4.625 | ------ | 4.000 | 4.250 |
APR | 4.872 | 4.283 | 4.622 | ------ | 4.003 | 4.253 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.375 | 4.000 | 4.125 | 4.000 | 4.000 | 4.250 |
APR | 4.423 | 4.064 | 4.205 | 4.093 | 4.059 | 4.310 |
|
******************************* 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 | 4.375 | 4.000 | 4.125 | 4.000 | ------ | ------ |
>$453K | 5.500 | 4.875 | 5.250 | ------ | 4.875 | 4.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.250 | 4.375 | 4.250 | ------ | ------ |
>$453K | 5.500 | 4.875 | 5.250 | ------ | 4.875 | 4.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.014 | 3.454 | 3.880 | 3.490 | 4.060 | 3.930 |
|
>$453K | 4.875 | 4.250 | 4.625 | ------ | 4.000 | 4.250 |
APR | 4.873 | 4.283 | 4.622 | ------ | 4.003 | 4.253 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.375 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.432 | 4.080 | 4.284 | 4.116 | 4.060 | 4.311 |
|
******************************* 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 | 4.250 | 3.875 | 4.125 | 3.875 | ------ | 5.250 |
>$453K | 5.250 | 4.625 | 5.000 | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | ------ | 5.250 |
>$453K | 5.250 | 4.625 | 5.000 | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.028 | 3.480 | 3.900 | 3.527 | 4.074 | 3.945 |
|
>$453K | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.143 | 4.031 | 4.630 | ------ | 3.882 | 3.882 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.375 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.447 | 4.106 | 4.304 | 4.154 | 4.074 | 4.325 |
|
******************************* 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 | 4.125 | 3.625 | 3.950 | 3.625 | 4.125 | 4.375 |
>$453K | 4.375 | 4.375 | 4.750 | ------ | 4.125 | 4.375 |
Jumbo | 4.250 | 4.375 | 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 | 4.125 | 4.375 |
>$453K | 5.000 | 4.375 | 4.750 | ------ | 4.125 | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.000 | 3.375 | 3.875 | 3.375 | 4.000 | 3.875 |
APR | 4.018 | 3.422 | 3.855 | 3.444 | 4.008 | 3.902 |
|
>$453K | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.133 | 4.015 | 4.617 | ------ | 3.873 | 3.873 |
|
Jumbo | 4.125 | 4.000 | 4.625 | ------ | 3.875 | 3.875 |
APR | 4.128 | 4.006 | 4.609 | ------ | 3.868 | 3.868 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.000 | 4.250 | 4.000 | 4.000 | 4.250 |
APR | 4.511 | 4.048 | 4.259 | 4.069 | 4.008 | 4.258 |