******************************* CALIFORNIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
3.750 |
3.125 |
3.750 |
3.125 |
3.625 |
3.625 |
>$484K |
3.875 |
3.250 |
------ |
------ |
3.875 |
------ |
Jumbo |
4.250 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.875 |
3.875 |
>$484K |
4.375 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.654 |
3.070 |
3.638 |
3.076 |
3.404 |
3.414 |
|
>$484K |
3.750 |
3.250 |
------ |
------ |
3.750 |
------ |
APR |
3.773 |
3.272 |
------ |
------ |
3.783 |
------ |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.017 |
3.762 |
------ |
------ |
3.912 |
4.038 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.176 |
3.715 |
4.056 |
3.630 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
3.750 |
3.125 |
3.625 |
3.125 |
3.500 |
3.500 |
>$484K |
4.250 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.627 |
3.022 |
3.600 |
3.006 |
3.377 |
3.387 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
3.995 |
3.723 |
------ |
------ |
3.891 |
4.016 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.148 |
3.666 |
4.018 |
3.559 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
3.750 |
3.250 |
3.750 |
3.125 |
3.625 |
3.750 |
>$484K |
4.375 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.620 |
3.028 |
3.604 |
3.014 |
3.381 |
3.391 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
3.998 |
3.727 |
------ |
------ |
3.893 |
4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.026 |
3.672 |
4.022 |
3.567 |
------ |
------ |
|
******************************* 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 |
3.750 |
3.250 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.000 |
4.125 |
3.750 |
------ |
------ |
>$484K |
5.000 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.500 |
3.000 |
3.375 |
3.375 |
APR |
3.630 |
3.045 |
3.578 |
3.039 |
3.410 |
3.420 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.145 |
3.846 |
------ |
------ |
3.890 |
4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
4.036 |
3.582 |
3.954 |
3.592 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, Jumbo Loan $562K. 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 |
3.625 |
3.125 |
3.625 |
3.125 |
3.500 |
3.500 |
>$484K |
4.250 |
3.875 |
------ |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.613 |
3.014 |
3.593 |
2.994 |
3.373 |
3.383 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.003 |
3.736 |
------ |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.018 |
3.657 |
4.011 |
3.547 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$484K |
5.125 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.250 |
3.750 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.639 |
3.060 |
3.630 |
3.061 |
3.408 |
3.418 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.148 |
3.851 |
------ |
------ |
3.893 |
4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.000 |
4.000 |
3.500 |
------ |
------ |
APR |
4.045 |
3.060 |
4.048 |
3.615 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$484K |
4.500 |
4.250 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.625 |
4.000 |
3.500 |
------ |
------ |
>$484K |
5.000 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.653 |
3.085 |
3.650 |
3.098 |
3.423 |
3.433 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.007 |
3.744 |
------ |
------ |
3.903 |
4.028 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.060 |
3.623 |
4.068 |
3.652 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
3.750 |
3.125 |
3.625 |
3.125 |
3.500 |
3.500 |
>$484K |
4.250 |
3.875 |
------ |
------ |
4.125 |
4.375 |
Jumbo |
4.250 |
3.875 |
------ |
------ |
4.125 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.375 |
APR |
3.627 |
3.021 |
3.599 |
3.005 |
3.377 |
3.387 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
3.995 |
3.723 |
------ |
------ |
3.891 |
4.016 |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
3.990 |
3.713 |
------ |
------ |
3.885 |
4.010 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.148 |
3.665 |
4.017 |
3.558 |
------ |
------ |