******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.875 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 |
>$484K | 4.000 | 3.375 | 4.000 | 3.250 | 3.875 | 4.500 |
Jumbo | 4.375 | 3.750 | ------ | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | 3.875 | 3.875 |
>$484K | 4.500 | 4.000 | 4.375 | 3.875 | 5.000 | 5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.800 | 3.284 | 3.791 | 3.254 | 3.414 | 3.549 |
|
>$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 4.250 |
APR | 3.916 | 3.299 | 3.918 | 3.258 | 3.793 | 4.293 |
|
Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.163 | 3.618 | ------ | ------ | 3.404 | 3.631 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 4.750 |
APR | 4.406 | 3.928 | 4.321 | 3.925 | ------ | 4.803 |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.625 | 3.625 |
>$484K | 4.375 | 3.750 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.500 | 3.875 | 3.875 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.773 | 3.236 | 3.753 | 3.184 | 3.387 | 3.523 |
|
>$484K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.141 | 3.580 | ------ | ------ | 3.384 | 3.610 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 4.750 |
APR | 4.378 | 3.879 | 4.283 | 3.855 | ------ | 4.774 |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.875 | 3.375 | 3.875 | 3.375 | 3.750 | 3.750 |
>$484K | 4.500 | 4.000 | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | 4.625 | 4.500 |
>$484K | 5.000 | 4.250 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.766 | 3.242 | 3.758 | 3.192 | 3.391 | 3.526 |
|
>$484K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.143 | 3.584 | ------ | ------ | 3.386 | 3.613 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 4.750 |
APR | 4.370 | 3.885 | 4.287 | 3.863 | ------ | 4.777 |
|
******************************* 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 |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | 4.750 | 4.750 |
>$484K | 4.875 | 4.250 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.750 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$484K | 5.000 | 4.250 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.775 | 3.206 | 3.771 | 3.216 | 3.420 | 3.555 |
|
>$484K | 4.500 | 3.750 | ------ | ------ | 3.500 | 3.750 |
APR | 4.498 | 3.755 | ------ | ------ | 3.512 | 3.769 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
APR | 4.297 | 3.851 | 4.301 | 3.869 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. 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 |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
>$484K | 4.375 | 3.750 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | ------ | ------ | ------ | ------ | ------ | ------ |
>$484K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.758 | 3.228 | 3.747 | 3.171 | 3.383 | 3.518 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.242 | 3.593 | ------ | ------ | 3.503 | 3.618 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 4.750 |
APR | 4.362 | 3.871 | 4.276 | 3.842 | ------ | 4.754 |
|
******************************* 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 |
<=$484K | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
>$484K | 5.125 | 4.500 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.784 | 3.222 | 3.783 | 3.239 | 3.418 | 3.554 |
|
>$484K | 4.500 | 3.750 | ------ | ------ | 3.500 | 3.750 |
APR | 4.501 | 3.760 | ------ | ------ | 3.514 | 3.772 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.250 | 3.750 | ------ | ------ |
APR | 4.306 | 3.918 | 4.313 | 3.892 | ------ | ------ |
|
******************************* 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 |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | 4.750 |
>$484K | 4.625 | 4.250 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.799 | 3.247 | 3.803 | 3.276 | 3.433 | 3.568 |
|
>$484K | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.153 | 3.601 | ------ | ------ | 3.507 | 3.622 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.250 | 3.750 | ------ | ------ |
APR | 4.321 | 3.944 | 4.334 | 3.930 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.875 | 3.375 | 3.875 | 3.250 | 3.625 | 3.625 |
>$484K | 4.375 | 3.750 | ------ | ------ | 3.750 | 3.875 |
Jumbo | 4.375 | 3.750 | ------ | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.500 | 3.875 | 3.875 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.772 | 3.235 | 3.753 | 3.183 | 3.387 | 3.522 |
|
>$484K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.141 | 3.580 | ------ | ------ | 3.383 | 3.610 |
|
Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
APR | 4.135 | 3.570 | ------ | ------ | 3.378 | 3.605 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.250 | 3.875 | ------ | 4.750 |
APR | 4.377 | 3.879 | 4.282 | 3.854 | ------ | 4.774 |