******************************* 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 |
3.500 |
3.125 |
3.375 |
3.000 |
2.750 |
2.875 |
>$484K |
3.875 |
3.250 |
------ |
------ |
------ |
------ |
Jumbo |
4.250 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.625 |
3.250 |
3.250 |
3.500 |
>$484K |
4.375 |
3.625 |
4.000 |
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 |
2.750 |
2.500 |
2.500 |
APR |
3.299 |
2.927 |
3.290 |
2.878 |
2.537 |
2.547 |
|
>$484K |
3.500 |
3.125 |
------ |
------ |
3.000 |
------ |
APR |
3.543 |
3.201 |
------ |
------ |
3.041 |
------ |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.278 |
3.637 |
------ |
------ |
4.017 |
4.038 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.516 |
3.840 |
4.307 |
3.853 |
------ |
------ |
|
******************************* 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 |
3.500 |
3.000 |
3.375 |
3.000 |
2.750 |
2.750 |
>$484K |
3.875 |
3.750 |
------ |
------ |
----- |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.500 |
3.250 |
3.125 |
3.375 |
>$484K |
4.750 |
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 |
2.750 |
2.500 |
2.500 |
APR |
3.272 |
2.879 |
3.253 |
2.808 |
2.512 |
2.521 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.256 |
3.599 |
------ |
------ |
3.995 |
4.016 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.588 |
3.791 |
4.268 |
3.783 |
------ |
------ |
|
******************************* 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 |
3.500 |
3.125 |
3.500 |
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 |
3.875 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$484K |
4.500 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.265 |
2.885 |
3.258 |
2.817 |
2.515 |
2.524 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.258 |
3.602 |
------ |
------ |
3.998 |
4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.427 |
3.797 |
4.273 |
3.791 |
------ |
------ |
|
******************************* 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 |
3.750 |
3.250 |
3.625 |
3.250 |
------ |
------ |
>$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 |
3.275 |
2.830 |
3.271 |
2.841 |
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 |
4.375 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.422 |
3.726 |
4.079 |
3.645 |
------ |
------ |
|
******************************* 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 |
3.500 |
3.000 |
3.375 |
2.875 |
2.625 |
2.750 |
>$484K |
4.000 |
3.750 |
------ |
------ |
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 |
3.250 |
2.875 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.258 |
2.871 |
3.247 |
2.796 |
2.507 |
2.517 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.125 |
APR |
4.263 |
3.611 |
------ |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.419 |
3.782 |
4.261 |
3.770 |
------ |
------ |
|
******************************* 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 |
4.125 |
3.625 |
4.000 |
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 |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$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 |
3.283 |
2.846 |
3.283 |
2.863 |
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 |
4.375 |
3.750 |
4.125 |
3.625 |
------ |
------ |
APR |
4.396 |
3.830 |
4.202 |
3.767 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.375 |
------ |
------ |
>$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 |
3.750 |
4.250 |
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 |
3.297 |
2.871 |
3.302 |
2.900 |
2.555 |
2.564 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.268 |
3.619 |
------ |
------ |
4.007 |
4.028 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.750 |
4.125 |
3.625 |
------ |
------ |
APR |
4.411 |
3.856 |
4.223 |
3.804 |
------ |
------ |
|
******************************* 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 |
2.750 |
2.750 |
>$484K |
4.000 |
3.750 |
------ |
------ |
----- |
------ |
Jumbo |
4.750 |
3.750 |
------ |
------ |
----- |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.500 |
3.250 |
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 |
2.875 |
3.250 |
2.750 |
2.500 |
2.500 |
APR |
3.272 |
2.878 |
3.253 |
2.807 |
2.511 |
2.521 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.255 |
3.598 |
------ |
------ |
3.995 |
4.016 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
4.000 |
4.000 |
APR |
4.250 |
3.588 |
------ |
------ |
3.990 |
4.010 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.588 |
3.790 |
4.267 |
3.782 |
------ |
------ |