******************************* 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 | 3.625 | 3.625 |
>$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 | 4.375 | 3.875 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.644 | 3.052 | 3.623 | 3.049 | 3.404 | 3.539 |
|
>$484K | 3.750 | 3.250 | ------ | ------ | 3.750 | ------ |
APR | 3.752 | 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 | 4.125 | 3.750 | ------ | ------ |
APR | 4.270 | 3.803 | 4.196 | 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 | 3.875 | 3.375 | 3.625 | 3.250 | 4.250 | 4.125 |
>$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 3.750 | 3.500 | 4.625 | 4.500 |
>$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 | 3.750 | 3.125 | 3.500 | 3.125 | 4.000 | 3.875 |
APR | 3.744 | 3.138 | 3.502 | 3.154 | 4.010 | 3.881 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.016 | 3.752 | ------ | ------ | 3.866 | 4.135 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
APR | 4.514 | 3.916 | 4.131 | 3.798 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.750 |
>$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 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.610 | 3.010 | 3.590 | 2.988 | 3.381 | 3.516 |
|
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | ------ | ------ |
APR | 4.235 | 3.760 | 4.162 | 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 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.555 | 3.027 | 3.563 | 3.013 | 3.410 | 3.545 |
|
>$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 | 3.875 | 3.500 | ------ | ------ |
APR | 4.057 | 3.726 | 3.954 | 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 | 3.500 | 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 | ------ | ------ | ------ | ------ | ------ | ------ |
>$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 | 3.500 |
APR | 3.602 | 2.996 | 3.579 | 2.968 | 3.373 | 3.508 |
|
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | ------ | ------ |
APR | 4.227 | 3.746 | 4.151 | 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 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.628 | 3.042 | 3.576 | 3.035 | 3.408 | 3.544 |
|
>$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 | 3.750 | 4.000 | 3.625 | ------ | ------ |
APR | 4.181 | 3.793 | 4.077 | 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 | 4.250 | 3.750 | 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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.643 | 3.067 | 3.596 | 3.072 | 3.423 | 3.558 |
|
>$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 | 4.125 | 3.750 | 4.000 | 3.625 | ------ | ------ |
APR | 4.196 | 3.819 | 4.097 | 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 | 3.750 | 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 | 4.000 |
>$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 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.617 | 3.004 | 3.585 | 2.979 | 3.377 | 3.512 |
|
>$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 | 4.125 | 3.750 | ------ | ------ |
APR | 4.242 | 3.754 | 4.157 | 3.729 | ------ | ------ |