******************************* 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 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 |
>$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.875 | 4.375 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 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 | 3.875 | 3.500 | 3.875 | 3.875 |
>$484K | 4.500 | 4.000 | 4.250 | 3.875 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.769 | 3.177 | 3.695 | 3.175 | 3.414 | 3.539 |
|
>$484K | 3.875 | 3.250 | 3.750 | 3.250 | 3.750 | 4.250 |
APR | 3.880 | 3.254 | 3.790 | 3.218 | 3.783 | 4.286 |
|
Jumbo | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.142 | 3.530 | ------ | ------ | 3.254 | 3.537 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.125 | 3.750 | ------ | 4.750 |
APR | 4.302 | 3.910 | 4.196 | 3.880 | ------ | 4.796 |
|
******************************* 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 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.875 | 3.375 | 3.750 | 3.875 |
>$484K | 4.750 | 3.875 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.742 | 3.129 | 3.657 | 3.105 | 3.387 | 3.512 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.120 | 3.492 | ------ | ------ | 3.234 | 3.516 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.125 | 3.750 | ------ | 4.750 |
APR | 4.274 | 3.861 | 4.157 | 3.809 | ------ | 4.767 |
|
******************************* 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 | 3.250 | 3.625 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 4.000 | 4.000 |
|
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 | 4.625 | 4.500 |
>$484K | 4.875 | 4.000 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.735 | 3.135 | 3.661 | 3.113 | 3.391 | 3.516 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.123 | 3.496 | ------ | ------ | 3.236 | 3.518 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.125 | 3.750 | ------ | 4.750 |
APR | 4.266 | 3.867 | 4.162 | 3.818 | ------ | 4.771 |
|
******************************* 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 | 3.875 | 3.625 | 3.875 | 3.500 | 4.750 | 4.625 |
>$484K | 4.750 | 3.875 | ------ | ------ | ------ | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.125 | 4.375 | 4.000 | ------ | ------ |
>$484K | 4.875 | 4.125 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.671 | 3.099 | 3.674 | 3.118 | 3.420 | 3.545 |
|
>$484K | 4.375 | 3.625 | ------ | ------ | 3.250 | 3.750 |
APR | 4.371 | 3.631 | ------ | ------ | 3.257 | 3.752 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.172 | 3.726 | 4.079 | 3.744 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.250 | 3.750 | 3.125 | 3.500 | 3.625 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.625 | 3.750 |
|
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 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.727 | 3.121 | 3.650 | 3.093 | 3.383 | 3.508 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.625 |
APR | 4.128 | 3.505 | ------ | ------ | 3.379 | 3.607 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.125 | 3.750 | ------ | 4.750 |
APR | 4.258 | 3.852 | 4.151 | 3.797 | ------ | 4.748 |
|
******************************* 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 | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$484K | 5.000 | 4.250 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
>$484K | 5.125 | 4.375 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.679 | 3.167 | 3.687 | 3.140 | 3.418 | 3.544 |
|
>$484K | 4.375 | 3.625 | ------ | ------ | 3.250 | 3.750 |
APR | 4.373 | 3.635 | ------ | ------ | 3.260 | 3.754 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.181 | 3.848 | 4.188 | 3.767 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.625 | 4.000 | 3.625 | ------ | 4.750 |
>$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 | 4.250 | 3.875 | 4.125 | 3.750 | ------ | ------ |
>$484K | 5.000 | 4.125 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
APR | 3.694 | 3.193 | 3.707 | 3.177 | 3.433 | 3.558 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.132 | 3.513 | ------ | ------ | 3.266 | 3.527 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.750 | 4.125 | 3.625 | ------ | ------ |
APR | 4.196 | 3.874 | 4.208 | 3.804 | ------ | ------ |
|
******************************* 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 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.875 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.875 | 3.375 | 3.750 | 3.875 |
>$484K | 4.750 | 3.875 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.125 | 3.625 | 3.125 | 3.375 | 3.500 |
APR | 3.861 | 3.129 | 3.656 | 3.104 | 3.387 | 3.512 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.120 | 3.491 | ------ | ------ | 3.234 | 3.515 |
|
Jumbo | 4.125 | 3.500 | ------ | ------ | 3.250 | 3.500 |
APR | 4.114 | 3.482 | ------ | ------ | 3.228 | 3.510 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.125 | 3.750 | ------ | 4.750 |
APR | 4.273 | 3.860 | 4.157 | 3.808 | ------ | 4.767 |