******************************* CALIFORNIA ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
$650K | ------ | 2.500 | ------ | ------ | ------ | ------ |
Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.500 | 2.375 | 3.250 | 2.375 | ------ | ------ |
$650K | ----- | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.794 | 2.235 | 2.786 | 2.166 | ------ | ------ |
|
$650K | 3.000 | 2.375 | ------ | ------ | ------ | ------ |
APR | 3.056 | 2.397 | ------ | ------ | ------ | ------ |
|
Jumbo | 3.500 | ------ | ------ | ------ | ------ | ------ |
APR | 3.537 | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.331 | 2.853 | 3.312 | 2.808 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $510K, 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 |
$510K | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.500 | 2.500 | 3.250 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.769 | 2.246 | 2.753 | 2.130 | ------ | ------ |
|
$650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
APR | 3.516 | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.337 | 2.878 | 3.322 | 2.823 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $510K, 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 |
$510K | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | ------ | 2.500 | 3.625 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.763 | 2.258 | 2.754 | 2.132 | ------ | ------ |
|
$650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
APR | 3.518 | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.337 | 2.878 | 3.221 | 2.835 | ------ | ------ |
|
******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | ------ | ------ | ------ | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.750 | 2.250 | 2.750 | 2.000 | ------ | ------ |
APR | 2.756 | 2.261 | 2.745 | 2.094 | ------ | ------ |
|
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.250 | 2.875 | 3.250 | 2.750 | ------ | ------ |
APR | 3.351 | 2.952 | 3.310 | 2.845 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $510K, Jumbo Loan $900K. 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 |
$510K | 2.875 | 2.250 | 2.750 | 2.125 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.500 | 3.250 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.754 | 2.253 | 2.742 | 2.086 | ------ | ------ |
|
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.333 | 2.882 | 3.306 | 2.833 | ------ | ------ |
|
******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K 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 |
$300K | ------ | 2.625 | ------ | 2.500 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | ------ | ------ | ------ | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.765 | 2.267 | 2.758 | 2.116 | ------ | ------ |
|
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.347 | 2.931 | 3.313 | 2.821 | ------ | ------ |
|
******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K | 3.375 | 2.500 | 3.250 | 2.375 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | 2.750 | ------ | 2.625 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.774 | 2.261 | 2.771 | 2.140 | ------ | ------ |
|
$600K | 3.500 | ------ | ------ | ------ | ------ | ------ |
APR | 3.521 | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.348 | 2.932 | 3.315 | 2.823 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K | 3.000 | 2.375 | 2.875 | 2.250 | ------ | ------ |
$650K | ------ | 2.500 | ------ | ------ | ------ | ------ |
Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.500 | 2.500 | 3.250 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.750 | 2.250 | 2.750 | 2.125 | ------ | ------ |
APR | 2.769 | 2.258 | 2.752 | 2.123 | ------ | ------ |
|
$650K | 3.500 | ------ | ------ | ------ | ------ | ------ |
APR | 3.515 | ------ | ------ | ------ | ------ | ------ |
|
Jumbo | 3.500 | | | | | |
| 3.510 | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.330 | 2.833 | 3.310 | 2.805 | ------ | ------ |