******************************* 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 | 4.000 | 3.500 | 4.000 | 3.375 | 3.750 | 3.750 |
>$484K | 4.250 | 3.625 | 4.125 | 3.500 | 4.125 | 4.500 |
Jumbo | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.000 |
>$484K | 4.500 | 4.000 | 4.375 | 4.000 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.915 | 3.339 | 3.902 | 3.352 | 3.549 | 3.654 |
|
>$484K | 4.125 | 3.500 | 4.000 | 3.375 | 3.875 | 4.625 |
APR | 4.152 | 3.535 | 4.033 | 3.421 | 3.919 | 4.657 |
|
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.278 | 3.673 | ------ | ------ | 3.527 | 3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.375 | 3.875 | ------ | ------ |
APR | 4.520 | 4.035 | 4.432 | 4.005 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.375 | 4.000 | 3.375 | 3.750 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | 4.000 | 4.000 |
>$484K | 4.750 | 4.375 | ------ | ------ | 4.250 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.888 | 3.291 | 3.864 | 3.283 | 3.523 | 3.627 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.256 | 3.635 | ------ | ------ | 3.506 | 3.631 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.375 | 3.875 | ------ | ------ |
APR | 4.492 | 3.986 | 4.393 | 3.935 | ------ | ------ |
|
******************************* 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 | 4.125 | 3.625 | 4.000 | 3.625 | 3.875 | 3.875 |
>$484K | 4.625 | 4.125 | ------ | ------ | 4.125 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.250 | 3.750 | ------ | 4.750 |
>$484K | 4.875 | 4.500 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.881 | 3.296 | 3.869 | 3.291 | 3.526 | 3.631 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.258 | 3.639 | ------ | ------ | 3.508 | 3.633 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ |
APR | 4.402 | 3.992 | 4.398 | 3.943 | ------ | ------ |
|
******************************* 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 | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
>$484K | 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 |
<=$484K | 4.750 | 4.250 | 4.500 | 4.125 | ------ | ------ |
>$484K | 4.875 | 4.500 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.890 | 3.313 | 3.882 | 3.315 | 3.555 | 3.660 |
|
>$484K | 4.375 | 3.875 | ------ | ------ | 3.750 | 4.000 |
APR | 4.396 | 3.893 | ------ | ------ | 3.758 | 3.997 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.412 | 3.958 | 4.411 | 3.968 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 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 | 3.875 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 3.873 | 3.282 | 3.857 | 3.270 | 3.518 | 3.623 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.263 | 3.648 | ------ | ------ | 3.513 | 3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 4.000 | 4.375 | 3.875 | ------ | ------ |
APR | 4.394 | 3.977 | 4.386 | 3.922 | ------ | ------ |
|
******************************* 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 | 4.750 | 3.875 | 4.375 | 3.875 | ------ | ------ |
>$484K | 5.000 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.500 | 4.000 | ------ | ------ |
>$484K | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.899 | 3.329 | 3.894 | 3.338 | 3.554 | 3.659 |
|
>$484K | 4.375 | 3.875 | ------ | ------ | 3.750 | 4.000 |
APR | 4.399 | 3.897 | ------ | ------ | 3.761 | 4.000 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.421 | 3.974 | 4.424 | 3.991 | ------ | ------ |
|
******************************* 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 | 4.250 | 3.750 | 4.250 | 3.750 | ------ | ------ |
>$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 | 4.000 | 4.375 | 3.875 | ------ | ------ |
>$484K | 5.000 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.914 | 3.354 | 3.914 | 3.375 | 3.568 | 3.673 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.268 | 3.656 | ------ | ------ | 3.517 | 3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.375 | 3.875 | ------ | ------ |
APR | 4.436 | 4.000 | 4.444 | 4.028 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.375 | 4.000 | 3.375 | 3.750 | 3.750 |
>$484K | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
Jumbo | 4.500 | 3.875 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.750 | 4.125 | 3.625 | 4.000 | 4.000 |
>$484K | 4.750 | 4.375 | ------ | ------ | 4.250 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 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 |
APR | 3.887 | 3.290 | 3.863 | 3.281 | 3.522 | 3.627 |
|
>$484K | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.255 | 3.634 | ------ | ------ | 3.505 | 3.630 |
|
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
APR | 4.250 | 3.625 | ------ | ------ | 3.500 | 3.625 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.375 | 3.875 | ------ | ------ |
APR | 4.491 | 3.985 | 4.392 | 3.933 | ------ | ------ |