******************************* 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 |
3.125 |
3.375 |
3.000 |
2.750 |
2.875 |
>$484K |
3.625 |
3.250 |
------ |
------ |
------ |
------ |
Jumbo |
4.000 |
3.875 |
------ |
------ |
4.000 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
3.250 |
3.500 |
>$484K |
4.500 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.279 |
2.820 |
3.262 |
2.825 |
2.537 |
2.547 |
|
>$484K |
3.375 |
3.125 |
------ |
------ |
3.000 |
------ |
APR |
3.417 |
3.147 |
------ |
------ |
3.041 |
------ |
|
Jumbo |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.163 |
3.655 |
------ |
------ |
3.912 |
4.027 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
APR |
4.302 |
3.715 |
4.196 |
3.630 |
------ |
------ |
|
******************************* 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 |
3.250 |
2.875 |
2.750 |
2.750 |
>$484K |
3.750 |
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 |
3.125 |
3.125 |
3.375 |
>$484K |
4.500 |
3.875 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.252 |
2.772 |
3.225 |
2.756 |
2.512 |
2.521 |
|
>$484K |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.141 |
3.617 |
------ |
------ |
3.891 |
4.006 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
APR |
4.274 |
3.666 |
4.157 |
3.559 |
------ |
------ |
|
******************************* 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 |
3.125 |
3.375 |
3.125 |
2.875 |
3.125 |
>$484K |
------ |
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 |
3.625 |
3.250 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.246 |
2.778 |
3.230 |
2.764 |
2.515 |
2.524 |
|
>$484K |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.143 |
3.621 |
------ |
------ |
3.893 |
4.008 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
APR |
4.266 |
3.672 |
4.162 |
3.567 |
------ |
------ |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $300K, 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 |
3.500 |
3.125 |
------ |
------ |
>$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 |
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 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.255 |
2.794 |
3.243 |
2.789 |
2.543 |
2.552 |
|
>$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 |
4.250 |
3.500 |
3.875 |
3.375 |
------ |
------ |
APR |
4.277 |
3.575 |
3.954 |
3.493 |
------ |
------ |
|
******************************* 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 |
2.875 |
3.250 |
2.875 |
2.625 |
2.750 |
>$484K |
3.875 |
3.750 |
------ |
------ |
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 |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.238 |
2.764 |
3.219 |
2.744 |
2.507 |
2.517 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.253 |
3.630 |
------ |
------ |
3.992 |
4.013 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
APR |
4.258 |
3.657 |
4.151 |
3.547 |
------ |
------ |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $300K, 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 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
3.750 |
4.375 |
3.750 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.263 |
2.810 |
3.255 |
2.811 |
2.541 |
2.551 |
|
>$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 |
4.250 |
3.625 |
4.000 |
3.375 |
------ |
------ |
APR |
4.281 |
3.698 |
4.077 |
3.516 |
------ |
------ |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $300K, 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 |
3.875 |
3.375 |
3.625 |
3.250 |
------ |
------ |
>$484K |
------ |
4.000 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
>$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 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.277 |
2.835 |
3.274 |
2.848 |
2.555 |
2.564 |
|
>$484K |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.153 |
3.638 |
------ |
------ |
3.903 |
4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.000 |
3.375 |
------ |
------ |
APR |
4.296 |
3.683 |
4.097 |
3.553 |
------ |
------ |
|
******************************* 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 |
3.250 |
2.875 |
2.750 |
2.750 |
>$484K |
3.750 |
3.875 |
------ |
------ |
3.750 |
------ |
Jumbo |
4.750 |
3.875 |
------ |
------ |
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 |
3.375 |
3.125 |
3.125 |
3.375 |
>$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 |
3.250 |
2.750 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.252 |
2.771 |
3.225 |
2.755 |
2.511 |
2.521 |
|
>$484K |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.141 |
3.616 |
------ |
------ |
3.891 |
4.005 |
|
Jumbo |
4.125 |
3.625 |
------ |
------ |
3.875 |
4.000 |
APR |
4.135 |
3.607 |
------ |
------ |
3.885 |
4.000 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.500 |
------ |
------ |
APR |
4.273 |
3.665 |
4.157 |
3.558 |
------ |
------ |