******************************* 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 |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
>$484K | 4.250 | 3.750 | ------ | ------ | 3.875 | ------ |
Jumbo | 4.750 | 4.375 | ------ | ------ | 4.250 | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.000 | 3.875 | ------ | ------ |
>$484K | 4.375 | 4.000 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.925 | 3.463 | 3.805 | 3.503 | 3.800 | 3.915 |
|
>$484K | 4.000 | 3.625 | ------ | ------ | 3.750 | ------ |
APR | 4.031 | 3.679 | ------ | ------ | 3.791 | ------ |
|
Jumbo | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.517 | 3.691 | ------ | ------ | 3.662 | 3.777 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.250 | 4.375 | 4.250 | ------ | ------ |
APR | 4.541 | 4.284 | 4.402 | 4.299 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.125 |
>$484K | 4.750 | 4.375 | ------ | ------ | 4.250 | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$484K | 4.375 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.896 | 3.412 | 3.765 | 3.429 | 3.771 | 3.886 |
|
>$484K | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.492 | 3.648 | ------ | ------ | 3.638 | 3.752 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.250 | 4.375 | 4.250 | ------ | ------ |
APR | 4.511 | 4.232 | 4.361 | 4.225 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.000 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$484K | 4.875 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.000 | 3.875 | ------ | ------ |
>$484K | 4.500 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.890 | 3.419 | 3.770 | 3.439 | 3.775 | 3.890 |
|
>$484K | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.495 | 3.652 | ------ | ------ | 3.640 | 3.755 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.250 | 4.375 | 4.250 | ------ | ------ |
APR | 4.504 | 4.239 | 4.367 | 4.235 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$484K | 4.500 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ |
>$484K | 4.500 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.894 | 3.427 | 3.777 | 3.451 | 3.800 | 3.915 |
|
>$484K | 4.250 | ------ | ------ | ------ | 4.250 | ------ |
APR | 4.239 | ------ | ------ | ------ | 4.263 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 4.125 | 4.250 | 4.125 | ------ | ------ |
APR | 4.427 | 4.197 | 4.307 | 4.229 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.375 | 4.125 | 4.250 | 4.125 | ------ | ------ |
>$484K | 4.500 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.625 | 4.250 | 4.375 | 4.250 | ------ | ------ |
>$484K | 4.500 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.903 | 3.443 | 3.789 | 3.474 | 3.799 | 3.914 |
|
>$484K | 4.250 | ------ | ------ | ------ | 4.250 | ------ |
APR | 4.242 | ------ | ------ | ------ | 4.265 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.125 | 4.250 | 4.125 | ------ | ------ |
APR | 4.519 | 4.213 | 4.319 | 4.252 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.250 | 3.875 | 4.000 | 3.875 | ------ | ------ |
>$484K | 4.875 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.125 | 4.250 | 4.125 | ------ | ------ |
>$484K | 4.375 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.918 | 3.469 | 3.809 | 3.511 | 3.813 | 3.928 |
|
>$484K | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.501 | 3.663 | ------ | ------ | 3.646 | 3.761 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.125 | 4.250 | 4.125 | ------ | ------ |
APR | 4.534 | 4.239 | 4.340 | 4.290 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | 4.000 | 4.125 |
>$484K | 4.750 | 4.375 | ------ | ------ | 4.250 | 4.375 |
Jumbo | 4.625 | 4.250 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.000 | 3.750 | ------ | ------ |
>$484K | 4.375 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.750 | 3.375 | 3.750 | 3.875 |
APR | 3.896 | 3.411 | 3.764 | 3.428 | 3.770 | 3.885 |
|
>$484K | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.491 | 3.647 | ------ | ------ | 3.637 | 3.752 |
|
Jumbo | 4.500 | 3.625 | ------ | ------ | 3.625 | 3.750 |
APR | 4.486 | 3.638 | ------ | ------ | 3.632 | 3.747 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.250 | 4.375 | 4.250 | ------ | ------ |
APR | 4.511 | 4.231 | 4.360 | 4.223 | ------ | ------ |