******************************* 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 |
3.950 |
3.375 |
3.750 |
3.375 |
4.125 |
4.000 |
>$453K |
4.125 |
3.625 |
3.990 |
------ |
4.000 |
4.125 |
Jumbo |
4.125 |
4.125 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.625 |
3.875 |
3.625 |
4.125 |
4.250 |
>$453K |
4.500 |
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 |
<=$453K |
3.875 |
3.250 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.890 |
3.312 |
3.702 |
3.340 |
3.429 |
3.555 |
|
>$453K |
3.950 |
3.500 |
3.875 |
------ |
3.875 |
4.000 |
APR |
3.988 |
3.565 |
3.916 |
------ |
3.903 |
4.028 |
|
Jumbo |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.918 |
3.934 |
4.401 |
------ |
3.668 |
3.668 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.286 |
3.938 |
4.064 |
3.966 |
3.912 |
4.038 |
|
******************************* 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 |
3.950 |
3.375 |
3.750 |
3.375 |
3.875 |
3.875 |
>$453K |
4.125 |
4.125 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.625 |
3.875 |
3.625 |
4.000 |
4.125 |
>$453K |
4.375 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.861 |
3.262 |
3.663 |
3.267 |
3.402 |
3.527 |
|
>$453K |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.894 |
3.890 |
4.367 |
------ |
3.644 |
3.644 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.257 |
3.887 |
4.024 |
3.892 |
3.884 |
4.009 |
|
******************************* 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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.125 |
4.000 |
>$453K |
4.375 |
4.375 |
4.625 |
------ |
4.125 |
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 |
4.250 |
4.250 |
>$453K |
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 |
<=$453K |
3.875 |
3.250 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.855 |
3.268 |
3.668 |
3.277 |
3.405 |
3.530 |
|
>$453K |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.896 |
3.895 |
4.371 |
------ |
3.646 |
3.646 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.250 |
3.894 |
4.029 |
3.902 |
3.888 |
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 |
<=$453K |
4.000 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$453K |
4.500 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
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 |
4.375 |
------ |
5.000 |
>$453K |
4.500 |
4.375 |
4.625 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.750 |
3.250 |
3.625 |
3.125 |
3.375 |
3.500 |
APR |
3.796 |
3.277 |
3.674 |
3.243 |
3.430 |
3.555 |
|
>$453K |
4.250 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
APR |
4.239 |
4.033 |
4.372 |
------ |
3.878 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.125 |
3.750 |
4.000 |
3.750 |
3.875 |
4.000 |
APR |
4.172 |
3.832 |
4.036 |
3.869 |
3.933 |
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 |
<=$453K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$453K |
5.250 |
4.625 |
5.000 |
------ |
4.750 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
4.000 |
4.125 |
4.000 |
------ |
------ |
>$453K |
5.250 |
4.625 |
5.000 |
------ |
4.750 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.750 |
3.250 |
3.625 |
3.125 |
3.375 |
3.500 |
APR |
3.805 |
3.292 |
3.687 |
3.266 |
3.429 |
3.554 |
|
>$453K |
4.250 |
4.000 |
4.375 |
------ |
3.875 |
4.000 |
APR |
4.242 |
4.033 |
4.372 |
------ |
3.878 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.125 |
3.750 |
4.000 |
3.750 |
3.875 |
4.000 |
APR |
4.181 |
3.848 |
4.048 |
3.892 |
3.934 |
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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$453K |
4.500 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.000 |
3.875 |
------ |
5.000 |
>$453K |
5.000 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.750 |
3.250 |
3.625 |
3.125 |
3.375 |
3.500 |
APR |
3.819 |
3.318 |
3.707 |
3.303 |
3.443 |
3.568 |
|
>$453K |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.903 |
3.906 |
4.380 |
------ |
3.652 |
3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.125 |
3.750 |
4.000 |
3.750 |
3.875 |
4.000 |
APR |
4.196 |
3.874 |
4.068 |
3.930 |
3.949 |
4.074 |
|
******************************* 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 |
3.950 |
3.375 |
3.750 |
3.375 |
4.000 |
4.125 |
>$453K |
4.125 |
4.125 |
4.500 |
------ |
4.000 |
4.000 |
Jumbo |
4.125 |
4.125 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.625 |
3.875 |
3.625 |
4.000 |
4.125 |
>$453K |
4.375 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.250 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.871 |
3.261 |
3.664 |
3.266 |
3.401 |
3.526 |
|
>$453K |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.893 |
3.890 |
4.367 |
------ |
3.643 |
3.643 |
|
Jumbo |
3.875 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
APR |
3.889 |
3.881 |
4.359 |
------ |
3.638 |
3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.000 |
3.875 |
3.875 |
4.000 |
APR |
4.276 |
3.886 |
4.023 |
3.891 |
3.883 |
4.008 |