******************************* CALIFORNIA ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
>$484K | 3.625 | 3.250 | ------ | ------ | 3.625 | ------ |
Jumbo | 4.000 | 4.000 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.500 | 3.125 | 3.500 | 3.625 |
>$484K | 4.000 | 3.875 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 3.000 | 3.000 | 3.250 |
APR | 3.374 | 2.962 | 3.305 | 2.919 | 3.048 | 3.269 |
|
>$484K | 3.500 | 3.000 | ------ | ------ | 3.375 | ------ |
APR | 3.532 | 3.076 | ------ | ------ | 3.417 | ------ |
|
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.746 | 3.798 | ------ | ------ | 3.902 | 4.038 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.750 | 3.500 | ------ | ------ |
APR | 3.894 | 3.589 | 3.806 | 3.603 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
>$484K | 4.000 | 4.000 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.125 | 3.500 | 3.125 | 3.500 | 3.625 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 3.000 | 3.000 | 3.250 |
APR | 3.348 | 2.915 | 3.267 | 2.850 | 3.022 | 3.242 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.725 | 3.760 | ------ | ------ | 3.881 | 4.016 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.750 | 3.500 | ------ | ------ |
APR | 3.867 | 3.541 | 3.768 | 3.533 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K. 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
>$484K | 4.125 | 4.250 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 3.000 | 3.250 | 3.000 | 3.000 | 3.250 |
APR | 3.275 | 2.920 | 3.272 | 2.858 | 3.025 | 3.246 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.727 | 3.764 | ------ | ------ | 3.883 | 4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.500 | 3.750 | 3.500 | ------ | ------ |
APR | 3.776 | 3.547 | 3.772 | 3.541 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.250 | 3.500 | 3.125 | ------ | ------ |
>$484K | 4.875 | 4.250 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.250 |
APR | 3.285 | 2.973 | 3.285 | 2.992 | 3.054 | 3.275 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.145 | 3.846 | ------ | ------ | 3.890 | 4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.375 | 3.625 | 3.375 | ------ | ------ |
APR | 3.681 | 3.475 | 3.689 | 3.493 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.250 |
>$484K | 3.875 | 4.000 | ------ | ------ | 4.375 | ------ |
|
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 | 3.250 | 3.000 | 3.250 | 3.000 | 3.000 | 3.250 |
APR | 3.268 | 2.907 | 3.261 | 2.838 | 3.017 | 3.238 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 3.732 | 3.773 | ------ | ------ | 3.888 | 4.138 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.500 | 3.750 | 3.500 | ------ | ------ |
APR | 3.768 | 3.532 | 3.761 | 3.520 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.375 | 3.625 | 3.375 | ------ | ------ |
>$484K | 5.125 | 4.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.750 | 3.875 | 3.750 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 3.000 | 3.250 | 2.875 | 3.000 | 3.250 |
APR | 3.293 | 2.952 | 3.297 | 3.015 | 3.052 | 3.273 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.148 | 3.851 | ------ | ------ | 3.893 | 4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.500 | 3.625 | 3.375 | ------ | ------ |
APR | 3.794 | 3.579 | 3.701 | 3.516 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
>$484K | 4.250 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.500 | 3.750 | 3.500 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 3.000 | 3.250 | 2.875 | 3.000 | 3.250 |
APR | 3.307 | 2.977 | 3.317 | 3.052 | 3.066 | 3.287 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.737 | 3.781 | ------ | ------ | 3.892 | 4.028 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.500 | 3.625 | 3.375 | ------ | ------ |
APR | 3.809 | 3.605 | 3.721 | 3.553 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
>$484K | 4.000 | 4.000 | ------ | ------ | 4.375 | ------ |
Jumbo | 4.000 | 4.000 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.125 | 3.500 | 3.125 | 3.500 | 3.625 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 3.000 | 3.000 | 3.250 |
APR | 3.347 | 2.914 | 3.267 | 2.849 | 3.021 | 3.242 |
|
>$484K | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.725 | 3.760 | ------ | ------ | 3.880 | 4.016 |
|
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.719 | 3.750 | ------ | ------ | 3.875 | 4.010 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.750 | 3.500 | ------ | ------ |
APR | 3.867 | 3.540 | 3.767 | 3.532 | ------ | ------ |