******************************* 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 |
4.750 |
4.125 |
4.500 |
4.125 |
------ |
------ |
>$453K |
4.750 |
4.250 |
4.875 |
------ |
4.375 |
------ |
Jumbo |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$453K |
5.375 |
------ |
5.375 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
APR |
4.552 |
4.090 |
4.431 |
4.129 |
4.165 |
4.280 |
|
>$453K |
4.625 |
4.125 |
4.625 |
------ |
4.125 |
4.625 |
APR |
4.670 |
4.199 |
4.686 |
------ |
4.156 |
4.669 |
|
Jumbo |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.789 |
4.693 |
------ |
------ |
4.267 |
4.277 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.875 |
4.875 |
5.000 |
------ |
------ |
APR |
5.042 |
4.929 |
4.947 |
5.153 |
------ |
------ |
|
******************************* 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 |
4.125 |
4.500 |
4.125 |
4.500 |
4.500 |
>$453K |
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 |
5.125 |
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 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
APR |
4.522 |
4.040 |
4.390 |
4.055 |
4.136 |
4.251 |
|
>$453K |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.763 |
4.648 |
------ |
------ |
4.242 |
4.252 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.750 |
4.875 |
5.000 |
------ |
------ |
APR |
5.012 |
4.793 |
4.906 |
5.050 |
------ |
------ |
|
******************************* 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 |
4.750 |
4.250 |
4.625 |
4.250 |
------ |
------ |
>$453K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.750 |
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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
APR |
4.515 |
4.046 |
4.396 |
4.065 |
4.140 |
4.254 |
|
>$453K |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.766 |
4.653 |
------ |
------ |
4.245 |
4.255 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.750 |
4.875 |
5.000 |
------ |
------ |
APR |
5.005 |
4.800 |
4.911 |
5.060 |
------ |
------ |
|
******************************* 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 |
4.375 |
4.625 |
4.375 |
------ |
------ |
>$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 |
5.250 |
5.000 |
5.375 |
------ |
------ |
------ |
>$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 |
4.500 |
3.875 |
4.375 |
3.875 |
4.125 |
4.250 |
APR |
4.520 |
3.965 |
4.402 |
4.005 |
4.166 |
4.280 |
|
>$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 |
5.000 |
4.750 |
4.875 |
5.000 |
------ |
------ |
APR |
5.010 |
4.867 |
4.918 |
5.157 |
------ |
------ |
|
******************************* 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 |
5.000 |
5.000 |
4.875 |
------ |
------ |
------ |
>$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 |
5.125 |
------ |
5.000 |
------ |
------ |
------ |
>$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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
APR |
4.529 |
4.069 |
4.415 |
4.100 |
4.164 |
4.279 |
|
>$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 |
5.000 |
4.875 |
4.875 |
------ |
------ |
------ |
APR |
5.019 |
4.943 |
4.931 |
------ |
------ |
------ |
|
******************************* 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 |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
>$453K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
5.000 |
4.875 |
------ |
------ |
------ |
>$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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
APR |
4.544 |
4.095 |
4.436 |
4.137 |
4.179 |
4.294 |
|
>$453K |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.773 |
4.664 |
------ |
------ |
4.251 |
4.262 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.875 |
4.875 |
------ |
------ |
------ |
APR |
5.035 |
4.973 |
4.952 |
------ |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.500 |
4.125 |
4.500 |
4.500 |
>$453K |
5.000 |
------ |
------ |
------ |
------ |
------ |
Jumbo |
5.000 |
------ |
------ |
------ |
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 |
5.125 |
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 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
APR |
4.521 |
4.039 |
4.390 |
4.053 |
4.135 |
4.250 |
|
>$453K |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.763 |
4.647 |
------ |
------ |
4.242 |
4.252 |
|
Jumbo |
4.750 |
4.625 |
------ |
------ |
4.250 |
4.250 |
APR |
4.758 |
4.638 |
------ |
------ |
4.237 |
4.247 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.750 |
4.875 |
5.000 |
------ |
------ |
APR |
5.011 |
4.792 |
4.905 |
5.049 |
------ |
------ |