******************************* 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 |
3.625 |
3.125 |
3.500 |
3.750 |
>$484K |
3.750 |
3.375 |
------ |
------ |
4.000 |
------ |
Jumbo |
4.125 |
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 |
3.875 |
4.125 |
>$484K |
4.250 |
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 |
3.250 |
3.375 |
APR |
3.634 |
3.052 |
3.569 |
3.049 |
3.299 |
3.424 |
|
>$484K |
3.750 |
3.250 |
------ |
------ |
3.750 |
------ |
APR |
3.742 |
3.308 |
------ |
------ |
3.793 |
------ |
|
Jumbo |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
4.017 |
3.942 |
------ |
------ |
4.163 |
4.414 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
APR |
4.259 |
3.803 |
4.071 |
3.800 |
------ |
------ |
|
******************************* 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 |
3.125 |
3.500 |
3.625 |
>$484K |
4.125 |
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 |
3.250 |
3.875 |
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 |
3.625 |
3.000 |
3.500 |
3.000 |
3.250 |
3.375 |
APR |
3.607 |
3.004 |
3.532 |
2.980 |
3.272 |
3.397 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
3.995 |
3.904 |
------ |
------ |
4.141 |
4.391 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
APR |
4.232 |
3.754 |
4.032 |
3.730 |
------ |
------ |
|
******************************* 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 |
3.625 |
4.000 |
>$484K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.500 |
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 |
3.625 |
3.000 |
3.500 |
3.000 |
3.250 |
3.375 |
APR |
3.600 |
3.010 |
3.536 |
2.988 |
3.275 |
3.401 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
3.998 |
3.908 |
------ |
------ |
4.143 |
4.394 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
------ |
APR |
4.152 |
3.760 |
4.037 |
3.738 |
------ |
------ |
|
******************************* 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 |
3.375 |
------ |
------ |
>$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 |
3.375 |
3.000 |
3.250 |
3.375 |
APR |
3.545 |
3.027 |
3.452 |
3.013 |
3.305 |
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 |
3.875 |
3.625 |
3.875 |
3.500 |
------ |
------ |
APR |
3.932 |
3.726 |
3.939 |
3.645 |
------ |
------ |
|
******************************* 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 |
3.000 |
3.375 |
3.625 |
>$484K |
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 |
3.500 |
3.000 |
3.250 |
3.375 |
APR |
3.592 |
2.996 |
3.525 |
2.968 |
3.268 |
3.393 |
|
>$484K |
4.000 |
4.000 |
------ |
------ |
4.250 |
------ |
APR |
4.003 |
3.986 |
------ |
------ |
4.263 |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
------ |
APR |
4.143 |
3.746 |
4.025 |
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 |
3.875 |
3.625 |
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 |
3.875 |
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 |
3.250 |
3.375 |
APR |
3.554 |
3.042 |
3.561 |
3.035 |
3.303 |
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 |
4.000 |
3.750 |
3.875 |
3.625 |
------ |
------ |
APR |
4.056 |
3.793 |
3.952 |
3.767 |
------ |
------ |
|
******************************* 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 |
3.500 |
3.750 |
3.375 |
------ |
------ |
>$484K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.125 |
3.750 |
4.000 |
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 |
3.250 |
3.375 |
APR |
3.568 |
3.067 |
3.581 |
3.072 |
3.317 |
3.443 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
4.007 |
3.925 |
------ |
------ |
4.153 |
4.404 |
|
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 |
4.070 |
3.819 |
3.972 |
3.804 |
------ |
------ |
|
******************************* 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 |
3.125 |
3.500 |
3.625 |
>$484K |
4.125 |
4.250 |
------ |
------ |
------ |
------ |
Jumbo |
4.125 |
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 |
3.250 |
3.875 |
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 |
3.625 |
3.000 |
3.500 |
3.000 |
3.250 |
3.375 |
APR |
3.607 |
3.004 |
3.531 |
2.979 |
3.272 |
3.397 |
|
>$484K |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
3.995 |
3.903 |
------ |
------ |
4.141 |
4.391 |
|
Jumbo |
4.000 |
3.875 |
------ |
------ |
4.125 |
4.375 |
APR |
3.990 |
3.893 |
------ |
------ |
4.135 |
4.385 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
APR |
4.231 |
3.754 |
4.032 |
3.729 |
------ |
------ |