******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
>$484K | 3.500 | 3.125 | ------ | ------ | 3.500 | ------ |
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.750 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | 3.375 | 3.500 |
>$484K | 3.750 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.289 | 2.927 | 3.276 | 2.924 | 3.038 | 3.163 |
|
>$484K | 3.375 | 3.000 | ------ | ------ | 3.375 | ------ |
APR | 3.417 | 3.058 | ------ | ------ | 3.397 | ------ |
|
Jumbo | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.736 | 3.692 | ------ | ------ | 4.027 | 4.153 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.905 | 3.446 | 3.695 | 3.451 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
>$484K | 3.625 | 3.500 | ------ | ------ | 3.500 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 3.750 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.262 | 2.879 | 3.239 | 2.855 | 3.012 | 3.137 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.715 | 3.653 | ------ | ------ | 4.006 | 4.131 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.877 | 3.398 | 3.657 | 3.381 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
>$484K | 3.500 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.250 | 3.500 | 3.125 | ------ | ------ |
>$484K | 3.875 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.255 | 2.885 | 3.244 | 2.863 | 3.015 | 3.140 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.717 | 3.657 | ------ | ------ | 4.008 | 4.133 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.776 | 3.403 | 3.661 | 3.390 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
>$484K | 3.750 | 3.500 | ------ | ------ | ------ | ------ |
|
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 | 3.750 | ------ | ------ |
>$484K | 4.000 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.265 | 2.902 | 3.257 | 2.888 | 3.044 | 3.169 |
|
>$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 | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.671 | 3.350 | 3.674 | 3.368 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, 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 | 3.250 | 2.875 | 3.125 | 3.250 |
>$484K | 3.750 | 3.875 | ------ | ------ | 3.500 | ------ |
|
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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 |
APR | 3.248 | 2.871 | 3.233 | 2.843 | 3.008 | 3.133 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 4.000 | 4.125 |
APR | 3.722 | 3.736 | ------ | ------ | 4.013 | 4.138 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.768 | 3.389 | 3.650 | 3.369 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
>$484K | 3.875 | 3.625 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 4.125 | ------ | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.273 | 2.917 | 3.269 | 2.910 | 3.043 | 3.168 |
|
>$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 | 3.625 | 3.375 | 3.625 | 3.250 | ------ | ------ |
APR | 3.679 | 3.436 | 3.687 | 3.391 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.250 | 3.500 | 3.125 | ------ | ------ |
>$484K | 3.750 | 3.500 | ------ | ------ | ------ | ------ |
|
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 | 4.000 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.287 | 2.942 | 3.288 | 2.947 | 3.056 | 3.182 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.727 | 3.674 | ------ | ------ | 4.018 | 4.143 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.375 | 3.625 | 3.250 | ------ | ------ |
APR | 3.694 | 3.461 | 3.707 | 3.428 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
>$484K | 3.500 | 3.250 | ------ | ------ | 3.375 | ------ |
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.625 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 3.750 | 3.500 | ------ | ------ | ------ | ------ |
|
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 | 3.000 | 3.125 |
APR | 3.262 | 2.878 | 3.239 | 2.854 | 3.012 | 3.137 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.715 | 3.653 | ------ | ------ | 4.005 | 4.130 |
|
Jumbo | 3.750 | 3.625 | ------ | ------ | 4.000 | 4.125 |
APR | 3.709 | 3.643 | ------ | ------ | 4.000 | 4.125 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.877 | 3.397 | 3.656 | 3.380 | ------ | ------ |