******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
4.000 |
4.000 |
>$453K |
4.500 |
4.000 |
4.625 |
------ |
3.875 |
------ |
Jumbo |
4.625 |
4.625 |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$453K |
4.625 |
4.125 |
5.125 |
------ |
4.250 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.750 |
APR |
4.297 |
3.813 |
4.078 |
3.841 |
3.680 |
3.806 |
|
>$453K |
4.375 |
3.875 |
4.500 |
------ |
3.625 |
4.625 |
APR |
4.413 |
3.941 |
4.534 |
------ |
3.671 |
4.664 |
|
Jumbo |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.409 |
4.328 |
------ |
------ |
3.918 |
3.918 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.776 |
4.351 |
4.536 |
4.396 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
4.000 |
4.000 |
>$453K |
4.625 |
4.625 |
------ |
------ |
4.375 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.125 |
3.750 |
3.625 |
3.750 |
APR |
4.278 |
3.762 |
4.120 |
3.767 |
3.652 |
3.777 |
|
>$453K |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.384 |
4.284 |
------ |
------ |
3.894 |
3.894 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.757 |
4.299 |
4.510 |
4.321 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.500 |
4.000 |
4.250 |
4.000 |
4.125 |
4.125 |
>$453K |
4.750 |
------ |
------ |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.125 |
3.750 |
3.625 |
3.750 |
APR |
4.271 |
3.769 |
4.125 |
3.777 |
3.656 |
3.781 |
|
>$453K |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.387 |
4.289 |
------ |
------ |
3.896 |
3.896 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.750 |
4.306 |
4.515 |
4.331 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.750 |
5.000 |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.750 |
APR |
4.276 |
3.777 |
4.065 |
3.789 |
3.681 |
3.806 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.997 |
4.533 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.684 |
4.315 |
4.522 |
4.343 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.625 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.750 |
APR |
4.285 |
3.793 |
4.077 |
3.812 |
3.679 |
3.805 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.998 |
4.534 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.765 |
4.331 |
4.534 |
4.367 |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.500 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
4.750 |
------ |
------ |
------ |
------ |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.375 |
4.875 |
5.125 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.750 |
APR |
4.289 |
3.819 |
4.083 |
3.849 |
3.694 |
3.819 |
|
>$453K |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.393 |
4.300 |
------ |
------ |
3.903 |
3.903 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.698 |
4.357 |
4.540 |
4.404 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
4.000 |
4.000 |
>$453K |
4.625 |
4.625 |
------ |
------ |
4.375 |
4.250 |
Jumbo |
4.625 |
4.625 |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.750 |
APR |
4.267 |
3.761 |
4.037 |
3.766 |
3.651 |
3.777 |
|
>$453K |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.383 |
4.283 |
------ |
------ |
3.893 |
3.893 |
|
Jumbo |
4.375 |
4.250 |
------ |
------ |
3.875 |
3.875 |
APR |
4.378 |
4.275 |
------ |
------ |
3.889 |
3.889 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
APR |
4.746 |
4.298 |
4.494 |
4.320 |
------ |
------ |