******************************* 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 |
4.750 |
4.125 |
4.500 |
4.125 |
4.375 |
4.375 |
>$453K |
4.750 |
4.250 |
------ |
------ |
4.250 |
------ |
Jumbo |
4.750 |
4.750 |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
4.875 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.558 |
4.082 |
4.411 |
4.118 |
4.057 |
4.171 |
|
>$453K |
4.750 |
4.125 |
------ |
------ |
4.000 |
------ |
APR |
4.745 |
4.191 |
------ |
------ |
4.047 |
------ |
|
Jumbo |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.659 |
4.454 |
------ |
------ |
4.044 |
4.148 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.750 |
------ |
------ |
------ |
APR |
5.027 |
------ |
4.816 |
------ |
------ |
------ |
|
******************************* 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 |
4.750 |
4.125 |
4.500 |
4.125 |
4.375 |
4.375 |
>$453K |
4.875 |
------ |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.528 |
4.031 |
4.370 |
4.044 |
4.028 |
4.142 |
|
>$453K |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.634 |
4.409 |
------ |
------ |
4.019 |
4.123 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.750 |
------ |
------ |
------ |
APR |
4.996 |
------ |
4.774 |
------ |
------ |
------ |
|
******************************* 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 |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.522 |
4.037 |
4.375 |
4.054 |
4.031 |
4.146 |
|
>$453K |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.637 |
4.414 |
------ |
------ |
4.022 |
4.126 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.750 |
------ |
------ |
------ |
APR |
4.989 |
------ |
4.780 |
------ |
------ |
------ |
|
******************************* 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 |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
3.875 |
4.375 |
3.875 |
4.000 |
4.125 |
APR |
4.526 |
3.976 |
4.382 |
4.021 |
4.057 |
4.172 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.997 |
4.533 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.500 |
4.750 |
4.500 |
------ |
------ |
APR |
4.924 |
4.584 |
4.787 |
4.621 |
------ |
------ |
|
******************************* 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 |
4.875 |
4.500 |
4.750 |
4.500 |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.875 |
------ |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.536 |
4.062 |
4.395 |
4.089 |
4.056 |
4.170 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.998 |
4.534 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.500 |
4.750 |
4.500 |
------ |
------ |
APR |
4.933 |
4.600 |
4.800 |
4.644 |
------ |
------ |
|
******************************* 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 |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.750 |
------ |
------ |
------ |
>$453K |
5.375 |
4.875 |
5.125 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.551 |
4.088 |
4.415 |
4.127 |
4.070 |
4.185 |
|
>$453K |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.643 |
4.425 |
------ |
------ |
4.028 |
4.132 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.500 |
4.750 |
4.500 |
------ |
------ |
APR |
4.949 |
4.627 |
4.820 |
4.682 |
------ |
------ |
|
******************************* 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 |
4.750 |
4.125 |
4.500 |
4.125 |
4.375 |
4.375 |
>$453K |
4.875 |
------ |
------ |
------ |
4.375 |
4.375 |
Jumbo |
4.750 |
4.750 |
------ |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.000 |
4.125 |
APR |
4.528 |
4.030 |
4.369 |
4.043 |
4.027 |
4.142 |
|
>$453K |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.634 |
4.409 |
------ |
------ |
4.019 |
4.123 |
|
Jumbo |
4.625 |
4.375 |
------ |
------ |
4.000 |
4.125 |
APR |
4.628 |
4.400 |
------ |
------ |
4.014 |
4.118 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
------ |
4.750 |
------ |
------ |
------ |
APR |
4.996 |
------ |
4.774 |
------ |
------ |
------ |