******************************* 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 | 
						4.500 | 
						4.000 | 
						4.375 | 
						4.000 | 
						4.125 | 
						4.250 | 
					
					
						| >$453K | 
						4.625 | 
						4.125 | 
						------ | 
						------ | 
						4.125 | 
						------ | 
					
					
						| Jumbo | 
						4.750 | 
						4.750 | 
						------ | 
						------ | 
						4.375 | 
						4.250 | 
					
					
						|   | 
					
					
						| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.750 | 
						4.125 | 
						4.500 | 
						4.125 | 
						------ | 
						------ | 
					
					
						| >$453K | 
						4.750 | 
						------ | 
						------ | 
						------ | 
						4.375 | 
						------ | 
					
					
						|   | 
					
					
						| PRIMARY RESIDENCE - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.375 | 
						3.875 | 
						4.250 | 
						3.875 | 
						3.875 | 
						4.000 | 
					
					
						| APR | 
						4.433 | 
						3.938 | 
						4.300 | 
						3.966 | 
						3.921 | 
						4.057 | 
					
					
						|   | 
					
					
						| >$453K | 
						4.500 | 
						4.000 | 
						------ | 
						------ | 
						3.875 | 
						------ | 
					
					
						| APR | 
						4.549 | 
						4.066 | 
						------ | 
						------ | 
						3.912 | 
						------ | 
					
					
						|   | 
					
					
						| Jumbo | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.638 | 
						4.454 | 
						------ | 
						------ | 
						4.033 | 
						4.033 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.375 | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.913 | 
						4.477 | 
						4.705 | 
						4.521 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.625 | 
						4.000 | 
						4.375 | 
						4.000 | 
						4.125 | 
						4.250 | 
					
					
						| >$453K | 
						4.750 | 
						4.750 | 
						------ | 
						------ | 
						4.375 | 
						4.375 | 
					
					
						|   | 
					
					
						| 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 | 
						5.125 | 
						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 | 
						4.500 | 
						3.875 | 
						4.250 | 
						3.875 | 
						3.875 | 
						4.000 | 
					
					
						| APR | 
						4.486 | 
						3.905 | 
						4.274 | 
						3.919 | 
						3.892 | 
						4.028 | 
					
					
						|   | 
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.612 | 
						4.409 | 
						------ | 
						------ | 
						4.009 | 
						4.009 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.893 | 
						4.512 | 
						4.730 | 
						4.518 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.625 | 
						4.125 | 
						4.500 | 
						4.125 | 
						4.375 | 
						4.375 | 
					
					
						| >$453K | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						4.500 | 
						4.500 | 
					
					
						|   | 
					
					
						| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.750 | 
						4.375 | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						4.375 | 
						3.875 | 
						4.250 | 
						3.875 | 
						3.875 | 
						4.000 | 
					
					
						| APR | 
						4.407 | 
						3.912 | 
						4.279 | 
						3.929 | 
						3.896 | 
						4.031 | 
					
					
						|   | 
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 | 
						4.750 | 
						4.500 | 
						------ | 
						------ | 
					
					
						| APR | 
						4.886 | 
						4.519 | 
						4.736 | 
						4.527 | 
						------ | 
						------ | 
					
					
						|   | 
					
					
						******************************* 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 | 
						4.750 | 
						4.250 | 
						4.500 | 
						4.250 | 
						------ | 
						------ | 
					
					
						| >$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 | 
						5.125 | 
						4.875 | 
						------ | 
						------ | 
						------ | 
						------ | 
					
					
					
					
						| >$453K | 
						4.625 | 
						4.375 | 
						------ | 
						------ | 
						4.000 | 
						4.000 | 
					
					
						| APR | 
						4.615 | 
						4.414 | 
						------ | 
						------ | 
						4.011 | 
						4.011 | 
					
					
						|   | 
					
					
						| INVESTMENT PROPERTY - PURCHASE: | 
					
					
						|   | 
						30-Yr | 
						15-Yr | 
						20-Yr | 
						10-Yr | 
						5/1 ARM | 
						7/1 ARM | 
					
					
						| <=$453K | 
						4.875 | 
						4.500 |