******************************* 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 |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
>$453K |
5.000 |
4.375 |
------ |
------ |
4.250 |
------ |
Jumbo |
5.125 |
4.750 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.625 |
4.875 |
4.625 |
------ |
------ |
>$453K |
5.125 |
4.625 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.625 |
4.125 |
4.250 |
4.250 |
APR |
4.792 |
4.178 |
4.652 |
4.201 |
4.269 |
4.290 |
|
>$453K |
4.875 |
4.375 |
------ |
------ |
4.250 |
------ |
APR |
4.907 |
4.393 |
------ |
------ |
4.260 |
------ |
|
Jumbo |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.914 |
4.442 |
------ |
------ |
4.277 |
4.288 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
------ |
5.125 |
------ |
------ |
------ |
APR |
5.270 |
------ |
5.168 |
------ |
------ |
------ |
|
******************************* 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 |
4.875 |
4.250 |
4.750 |
4.250 |
4.375 |
4.375 |
>$453K |
5.125 |
4.750 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.500 |
4.875 |
4.500 |
------ |
------ |
>$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 |
4.750 |
4.125 |
4.625 |
4.125 |
4.250 |
4.250 |
APR |
4.761 |
4.126 |
4.611 |
4.126 |
4.240 |
4.261 |
|
>$453K |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.888 |
4.398 |
------ |
------ |
4.252 |
4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
------ |
5.125 |
------ |
------ |
------ |
APR |
5.239 |
------ |
5.126 |
------ |
------ |
------ |
|
******************************* 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 |
4.875 |
4.375 |
4.875 |
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 |
5.000 |
4.625 |
5.000 |
4.625 |
------ |
------ |
>$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 |
4.750 |
4.125 |
4.625 |
4.125 |
4.250 |
4.250 |
APR |
4.755 |
4.133 |
4.616 |
4.136 |
4.244 |
4.265 |
|
>$453K |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.891 |
4.403 |
------ |
------ |
4.255 |
4.266 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
------ |
5.125 |
------ |
------ |
------ |
APR |
5.232 |
------ |
5.131 |
------ |
------ |
------ |
|
******************************* 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 |
5.000 |
4.500 |
4.875 |
4.500 |
------ |
------ |
>$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 |
5.500 |
5.125 |
5.625 |
------ |
------ |
------ |
>$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 |
4.625 |
4.125 |
4.500 |
4.125 |
4.250 |
4.250 |
APR |
4.678 |
4.141 |
4.557 |
4.149 |
4.270 |
4.291 |
|
>$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 |
5.125 |
4.750 |
5.000 |
4.750 |
------ |
------ |
APR |
5.168 |
4.823 |
5.073 |
4.855 |
------ |
------ |
|
******************************* 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 |
5.125 |
4.750 |
5.000 |
4.750 |
------ |
------ |
>$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 |
5.250 |
------ |
5.250 |
------ |
------ |
------ |
>$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 |
4.750 |
4.125 |
4.500 |
4.125 |
4.250 |
4.250 |
APR |
4.769 |
4.157 |
4.570 |
4.172 |
4.268 |
4.289 |
|
>$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 |
5.125 |
4.750 |
5.125 |
4.750 |
------ |
------ |
APR |
5.178 |
4.840 |
5.151 |
4.879 |
------ |
------ |
|
******************************* 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 |
5.000 |
4.625 |
5.000 |
4.625 |
------ |
------ |
>$453K |
5.375 |
4.875 |
5.125 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.750 |
5.125 |
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 |
4.750 |
4.125 |
4.500 |
4.125 |
4.250 |
4.250 |
APR |
4.784 |
4.183 |
4.590 |
4.209 |
4.283 |
4.304 |
|
>$453K |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.898 |
4.414 |
------ |
------ |
4.262 |
4.272 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.750 |
5.125 |
4.750 |
------ |
------ |
APR |
5.193 |
4.866 |
5.172 |
4.917 |
------ |
------ |
|
******************************* 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 |
4.875 |
4.250 |
4.750 |
4.250 |
4.375 |
4.375 |
>$453K |
5.125 |
4.750 |
------ |
------ |
4.500 |
------ |
Jumbo |
5.125 |
4.750 |
------ |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.500 |
4.875 |
4.500 |
------ |
------ |
>$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 |
4.750 |
4.125 |
4.625 |
4.125 |
4.250 |
4.250 |
APR |
4.761 |
4.125 |
4.610 |
4.125 |
4.240 |
4.261 |
|
>$453K |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.888 |
4.397 |
------ |
------ |
4.252 |
4.263 |
|
Jumbo |
4.875 |
4.375 |
------ |
------ |
4.250 |
4.250 |
APR |
4.883 |
4.388 |
------ |
------ |
4.247 |
4.258 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
------ |
5.125 |
------ |
------ |
------ |
APR |
5.239 |
------ |
5.125 |
------ |
------ |
------ |