******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.050 |
3.500 |
3.875 |
------ |
3.875 |
4.125 |
Jumbo |
4.000 |
3.875 |
4.500 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.750 |
3.500 |
4.000 |
4.250 |
>$424K |
4.450 |
4.250 |
4.450 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.785 |
3.223 |
3.660 |
3.215 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.375 |
3.750 |
------ |
3.250 |
3.750 |
APR |
3.903 |
3.440 |
3.799 |
------ |
3.295 |
3.800 |
|
Jumbo |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.887 |
3.702 |
4.401 |
------ |
3.417 |
3.658 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.171 |
3.813 |
4.021 |
3.841 |
3.787 |
4.038 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
4.000 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.500 |
3.750 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.755 |
3.173 |
3.617 |
3.142 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.863 |
3.659 |
4.367 |
------ |
3.393 |
3.633 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.142 |
3.762 |
3.981 |
3.767 |
3.759 |
4.009 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.875 |
3.375 |
3.750 |
3.375 |
3.250 |
3.500 |
>$424K |
4.125 |
4.000 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.625 |
3.875 |
3.625 |
4.125 |
4.250 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.750 |
3.180 |
3.618 |
3.152 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.866 |
3.663 |
4.371 |
------ |
3.396 |
3.636 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.136 |
3.769 |
3.986 |
3.777 |
3.763 |
4.013 |
|
******************************* 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 |
<=$424K |
4.000 |
3.500 |
3.750 |
3.500 |
------ |
5.000 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
3.875 |
4.125 |
------ |
5.000 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.755 |
3.188 |
3.578 |
3.144 |
2.928 |
3.169 |
|
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.130 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
3.750 |
4.000 |
APR |
4.140 |
3.726 |
3.939 |
3.771 |
3.808 |
4.059 |
|
******************************* 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 |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.000 |
3.875 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.764 |
3.203 |
3.644 |
3.186 |
2.927 |
3.168 |
|
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.132 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
3.875 |
3.750 |
3.750 |
4.000 |
APR |
4.149 |
3.793 |
3.952 |
3.812 |
3.809 |
4.060 |
|
******************************* 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 |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
5.000 |
>$424K |
4.125 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.778 |
3.229 |
3.664 |
3.223 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.872 |
3.674 |
4.380 |
------ |
3.402 |
3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
3.875 |
3.750 |
3.750 |
4.000 |
APR |
4.164 |
3.819 |
3.972 |
3.849 |
3.823 |
4.074 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
4.000 |
4.500 |
------ |
3.875 |
4.000 |
Jumbo |
4.000 |
3.875 |
4.500 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.500 |
3.750 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
2.875 |
3.125 |
APR |
3.748 |
3.172 |
3.612 |
3.141 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.863 |
3.658 |
4.367 |
------ |
3.393 |
3.633 |
|
Jumbo |
3.875 |
3.625 |
4.375 |
------ |
3.375 |
3.625 |
APR |
3.858 |
3.649 |
4.359 |
------ |
3.388 |
3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.750 |
4.000 |
APR |
4.142 |
3.761 |
3.980 |
3.766 |
3.758 |
4.008 |