******************************* 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 |
3.625 |
3.125 |
3.500 |
3.125 |
3.375 |
3.375 |
>$484K |
3.750 |
3.250 |
------ |
------ |
3.750 |
------ |
Jumbo |
4.375 |
4.000 |
------ |
------ |
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 |
3.625 |
3.625 |
>$484K |
4.375 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.424 |
3.034 |
3.416 |
3.023 |
3.173 |
3.279 |
|
>$484K |
3.625 |
3.125 |
------ |
------ |
3.625 |
------ |
APR |
3.668 |
3.201 |
------ |
------ |
3.648 |
------ |
|
Jumbo |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.027 |
3.850 |
------ |
------ |
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 |
3.678 |
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 |
3.500 |
3.125 |
3.500 |
3.000 |
3.375 |
3.375 |
>$484K |
4.375 |
4.000 |
------ |
------ |
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 |
3.625 |
3.250 |
3.625 |
3.625 |
>$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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.397 |
2.986 |
3.378 |
2.954 |
3.147 |
3.252 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.006 |
3.812 |
------ |
------ |
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 |
3.629 |
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 |
3.625 |
3.125 |
3.625 |
3.125 |
3.500 |
3.500 |
>$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 |
3.875 |
3.375 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.391 |
2.992 |
3.383 |
2.962 |
3.150 |
3.255 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.008 |
3.816 |
------ |
------ |
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 |
3.635 |
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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.400 |
3.009 |
3.396 |
2.986 |
3.179 |
3.285 |
|
>$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 |
3.500 |
3.000 |
3.500 |
3.000 |
3.375 |
3.375 |
>$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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.383 |
2.978 |
3.372 |
2.942 |
3.142 |
3.248 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
4.000 |
4.125 |
APR |
4.013 |
3.825 |
------ |
------ |
4.003 |
4.117 |
|
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 |
3.621 |
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 |
3.625 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.408 |
3.024 |
3.408 |
3.009 |
3.178 |
3.283 |
|
>$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 |
3.500 |
4.000 |
3.500 |
------ |
------ |
APR |
4.045 |
3.598 |
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 |
3.750 |
3.250 |
------ |
------ |
>$484K |
4.625 |
4.375 |
------ |
------ |
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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.423 |
3.049 |
3.428 |
3.046 |
3.192 |
3.297 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.018 |
3.833 |
------ |
------ |
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 |
3.500 |
3.125 |
3.500 |
3.000 |
3.375 |
3.375 |
>$484K |
4.375 |
4.000 |
------ |
------ |
4.125 |
4.375 |
Jumbo |
4.375 |
4.000 |
------ |
------ |
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 |
3.625 |
3.250 |
3.625 |
3.625 |
>$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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.125 |
3.250 |
APR |
3.397 |
2.986 |
3.378 |
2.953 |
3.147 |
3.252 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.005 |
3.811 |
------ |
------ |
3.891 |
4.016 |
|
Jumbo |
4.000 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.000 |
3.801 |
------ |
------ |
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 |
3.629 |
4.017 |
3.558 |
------ |
------ |