******************************* 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 |
3.500 |
3.125 |
3.375 |
3.000 |
3.375 |
3.375 |
>$484K |
3.625 |
3.250 |
------ |
------ |
3.750 |
------ |
Jumbo |
4.250 |
4.000 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.250 |
3.625 |
3.250 |
3.750 |
3.625 |
>$484K |
4.250 |
4.000 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
2.875 |
3.125 |
3.125 |
APR |
3.394 |
3.016 |
3.373 |
3.003 |
3.163 |
3.173 |
|
>$484K |
3.625 |
3.250 |
------ |
------ |
3.625 |
------ |
APR |
3.637 |
3.272 |
------ |
------ |
3.658 |
------ |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.027 |
3.798 |
------ |
------ |
4.027 |
4.163 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
4.030 |
3.803 |
3.945 |
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 |
3.500 |
3.000 |
3.375 |
3.000 |
3.375 |
3.375 |
>$484K |
4.250 |
4.000 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
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 |
2.875 |
3.125 |
3.125 |
APR |
3.367 |
2.968 |
3.336 |
2.934 |
3.137 |
3.147 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.006 |
3.760 |
------ |
------ |
4.006 |
4.141 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
4.002 |
3.754 |
3.907 |
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 |
3.500 |
3.250 |
3.500 |
3.125 |
3.500 |
3.500 |
>$484K |
4.500 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.375 |
3.625 |
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 |
3.375 |
3.000 |
3.375 |
2.875 |
3.125 |
3.125 |
APR |
3.361 |
2.974 |
3.341 |
2.942 |
3.140 |
3.150 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.008 |
3.764 |
------ |
------ |
4.008 |
4.143 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
3.995 |
3.760 |
3.912 |
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 |
3.625 |
3.250 |
3.625 |
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 |
3.250 |
2.875 |
3.250 |
2.875 |
3.125 |
3.125 |
APR |
3.305 |
2.955 |
3.313 |
2.966 |
3.169 |
3.179 |
|
>$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 |
3.875 |
3.500 |
3.875 |
3.500 |
------ |
------ |
APR |
3.921 |
3.600 |
3.925 |
3.619 |
------ |
------ |
|
******************************* 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 |
3.375 |
3.000 |
3.375 |
3.000 |
3.375 |
3.375 |
>$484K |
4.250 |
3.875 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
4.125 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
3.000 |
3.375 |
2.875 |
3.125 |
3.125 |
APR |
3.353 |
2.960 |
3.330 |
2.921 |
3.133 |
3.142 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.250 |
APR |
4.013 |
3.773 |
------ |
------ |
4.013 |
4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
3.987 |
3.746 |
3.900 |
3.672 |
------ |
------ |
|
******************************* 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 |
3.875 |
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 |
4.000 |
3.875 |
4.000 |
3.750 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
2.875 |
3.250 |
2.875 |
3.125 |
3.125 |
APR |
3.378 |
2.971 |
3.325 |
2.989 |
3.168 |
3.178 |
|
>$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 |
3.875 |
3.625 |
3.875 |
3.500 |
------ |
------ |
APR |
3.930 |
3.723 |
3.937 |
3.642 |
------ |
------ |
|
******************************* 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 |
3.750 |
3.375 |
3.625 |
3.375 |
------ |
------ |
>$484K |
4.625 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
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 |
3.375 |
2.875 |
3.250 |
2.875 |
3.125 |
3.125 |
APR |
3.392 |
2.996 |
3.345 |
3.025 |
3.182 |
3.192 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.018 |
3.781 |
------ |
------ |
4.018 |
4.153 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.625 |
3.875 |
3.500 |
------ |
------ |
APR |
3.945 |
3.749 |
3.958 |
3.679 |
------ |
------ |
|
******************************* 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 |
3.000 |
3.375 |
3.000 |
3.375 |
3.375 |
>$484K |
4.250 |
4.000 |
------ |
------ |
4.375 |
------ |
Jumbo |
4.250 |
4.000 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
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 |
2.875 |
3.125 |
3.125 |
APR |
3.367 |
2.968 |
3.336 |
2.932 |
3.137 |
3.147 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.005 |
3.760 |
------ |
------ |
4.005 |
4.141 |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.125 |
APR |
4.000 |
3.750 |
------ |
------ |
4.000 |
4.135 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
4.002 |
3.754 |
3.906 |
3.683 |
------ |
------ |