******************************* 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 | 3.625 | 3.125 | 3.500 | 3.625 |
>$484K | 3.750 | 3.375 | ------ | ------ | 4.000 | ------ |
Jumbo | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.375 | 3.750 | 3.250 | 3.875 | 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.539 | 3.034 | 3.444 | 3.023 | 3.173 | 3.404 |
|
>$484K | 3.750 | 3.250 | ------ | ------ | 3.625 | ------ |
APR | 3.732 | 3.290 | ------ | ------ | 3.668 | ------ |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 4.007 | 3.817 | ------ | ------ | 4.153 | 4.288 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.176 | 3.785 | 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 | 3.625 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
|
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 | 4.125 |
>$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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.512 | 2.986 | 3.407 | 2.954 | 3.147 | 3.377 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 3.985 | 3.778 | ------ | ------ | 4.131 | 4.266 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.148 | 3.736 | 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 | 3.625 | 3.250 | 3.625 | 3.250 | 3.625 | 3.875 |
>$484K | 4.375 | 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 | 3.750 | 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.506 | 2.992 | 3.411 | 2.962 | 3.150 | 3.381 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 3.987 | 3.782 | ------ | ------ | 4.133 | 4.269 |
|
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 | 4.026 | 3.742 | 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 | 3.750 | 3.375 | 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 | 3.375 |
APR | 3.420 | 3.009 | 3.424 | 2.986 | 3.179 | 3.410 |
|
>$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 | 3.750 | 3.500 | ------ | ------ |
APR | 3.921 | 3.600 | 3.828 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
|
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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.498 | 2.978 | 3.400 | 2.942 | 3.142 | 3.373 |
|
>$484K | 4.000 | 3.875 | ------ | ------ | 4.125 | 4.375 |
APR | 3.992 | 3.843 | ------ | ------ | 4.138 | 4.388 |
|
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 | 4.018 | 3.727 | 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 | 3.750 | 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.429 | 3.024 | 3.436 | 3.009 | 3.178 | 3.408 |
|
>$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 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.500 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.750 | 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 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.443 | 3.049 | 3.456 | 3.046 | 3.192 | 3.423 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 3.997 | 3.800 | ------ | ------ | 4.143 | 4.278 |
|
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 | 3.625 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
Jumbo | 4.125 | 4.000 | ------ | ------ | ------ | ------ |
|
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 | 4.125 |
>$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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.125 | 3.375 |
APR | 3.512 | 2.986 | 3.406 | 2.953 | 3.147 | 3.377 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 3.985 | 3.778 | ------ | ------ | 4.130 | 4.266 |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 4.125 | 4.250 |
APR | 3.979 | 3.768 | ------ | ------ | 4.125 | 4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.750 | 3.875 | 3.625 | ------ | ------ |
APR | 4.148 | 3.735 | 3.906 | 3.683 | ------ | ------ |