******************************* 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 | 3.250 | 3.750 | 3.250 | 3.750 | 3.625 |
>$484K | 3.875 | 3.375 | ------ | ------ | ------ | ------ |
Jumbo | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
|
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 | ------ | 4.125 |
>$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 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.654 | 3.070 | 3.569 | 3.076 | 3.424 | 3.424 |
|
>$484K | 3.750 | 3.250 | ------ | ------ | 4.000 | ------ |
APR | 3.793 | 3.308 | ------ | ------ | 4.033 | ------ |
|
Jumbo | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.153 | 3.868 | ------ | ------ | 4.153 | 4.414 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.291 | 3.785 | 4.196 | 3.755 | ------ | ------ |
|
******************************* 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 | 3.250 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
|
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 | 4.000 | 4.000 |
>$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 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.627 | 3.022 | 3.532 | 3.006 | 3.397 | 3.397 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.131 | 3.830 | ------ | ------ | 4.131 | 4.391 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.263 | 3.736 | 4.157 | 3.684 | ------ | ------ |
|
******************************* 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 | 3.250 | 3.875 | 3.875 |
>$484K | 4.625 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.875 | 3.500 | ------ | ------ |
>$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 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.620 | 3.028 | 3.536 | 3.014 | 3.401 | 3.401 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.133 | 3.834 | ------ | ------ | 4.133 | 4.394 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.256 | 3.742 | 4.162 | 3.693 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.375 | 3.875 | 3.375 | ------ | ------ |
>$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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.545 | 3.045 | 3.549 | 3.039 | 3.430 | 3.430 |
|
>$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 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.057 | 3.707 | 4.065 | 3.717 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.250 | 3.625 | 3.125 | 3.625 | 3.500 |
>$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
|
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 | 3.623 | 3.032 | 3.608 | 3.020 | 3.393 | 3.393 |
|
>$484K | 4.250 | 3.875 | ------ | ------ | 4.125 | ------ |
APR | 4.253 | 3.861 | ------ | ------ | 4.138 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
APR | 4.258 | 3.746 | 4.247 | 3.717 | ------ | ------ |
|
******************************* 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 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$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 | 4.375 | 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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.554 | 3.060 | 3.561 | 3.061 | 3.429 | 3.429 |
|
>$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 | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.181 | 3.723 | 4.077 | 3.740 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.875 | 3.500 | ------ | ------ |
>$484K | 4.625 | 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 | 4.125 | 3.625 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.568 | 3.085 | 3.581 | 3.098 | 3.443 | 3.443 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.143 | 3.851 | ------ | ------ | 4.143 | 4.404 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.196 | 3.749 | 4.097 | 3.778 | ------ | ------ |
|
******************************* 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 | 3.250 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
Jumbo | 4.500 | 4.125 | ------ | ------ | ------ | ------ |
|
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 | 4.000 | 4.000 |
>$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 | 3.500 | 3.000 | 3.375 | 3.375 |
APR | 3.627 | 3.021 | 3.531 | 3.005 | 3.397 | 3.397 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.130 | 3.829 | ------ | ------ | 4.130 | 4.391 |
|
Jumbo | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 4.125 | 3.820 | ------ | ------ | 4.125 | 4.385 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.263 | 3.735 | 4.157 | 3.683 | ------ | ------ |