******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, 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 | 3.250 | 3.000 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 3.375 | 3.000 | ------ | ------ | 3.250 | ------ |
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.500 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 3.625 | 3.625 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.259 | 2.891 | 3.234 | 2.872 | 2.797 | 2.913 |
|
>$484K | 3.375 | 3.000 | ------ | ------ | 3.250 | ------ |
APR | 3.387 | 3.022 | ------ | ------ | 3.262 | ------ |
|
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.716 | 3.566 | ------ | ------ | 3.902 | 4.027 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.675 | 3.339 | 3.666 | 3.352 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 3.500 | 3.500 | ------ | ------ | 3.500 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 3.625 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.233 | 2.844 | 3.198 | 2.803 | 2.772 | 2.887 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.695 | 3.528 | ------ | ------ | 3.881 | 4.006 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.648 | 3.291 | 3.628 | 3.283 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $4840K, 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 | 3.125 | 3.250 |
>$484K | 3.500 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.375 | 3.125 | ------ | ------ |
>$484K | 3.750 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.226 | 2.849 | 3.202 | 2.811 | 2.775 | 2.890 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.697 | 3.532 | ------ | ------ | 3.883 | 4.008 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.641 | 3.296 | 3.633 | 3.291 | ------ | ------ |
|
******************************* 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 | 3.375 | 3.000 | 3.375 | 3.000 | ------ | ------ |
>$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.500 | 4.125 | 3.750 | ------ | ------ |
>$484K | 3.875 | 3.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 2.875 | 3.250 | 2.750 | 2.750 | 2.875 |
APR | 3.235 | 2.866 | 3.215 | 2.893 | 2.803 | 2.919 |
|
>$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 | 3.500 | 3.250 | 3.500 | 3.250 | ------ | ------ |
APR | 3.555 | 3.313 | 3.563 | 3.315 | ------ | ------ |
|
******************************* 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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.000 |
>$484K | 3.625 | 3.500 | ------ | ------ | 3.500 | ------ |
|
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 | 2.875 | 3.250 | 2.875 | 2.750 | 2.875 |
APR | 3.218 | 2.835 | 3.191 | 2.791 | 2.767 | 2.882 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 3.875 | 4.000 |
APR | 3.702 | 3.593 | ------ | ------ | 3.888 | 4.013 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.633 | 3.282 | 3.622 | 3.270 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.250 | 3.500 | 3.250 | ------ | ------ |
>$484K | 3.750 | 3.625 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.500 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.125 | ------ | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.243 | 2.881 | 3.227 | 2.858 | 2.802 | 2.917 |
|
>$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 | 3.625 | 3.250 | 3.500 | 3.250 | ------ | ------ |
APR | 3.659 | 3.329 | 3.576 | 3.338 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.125 | 3.375 | 3.125 | ------ | ------ |
>$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ |
|
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 | 4.000 | 3.750 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.257 | 2.906 | 3.246 | 2.894 | 2.815 | 2.931 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.706 | 3.549 | ------ | ------ | 3.892 | 4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.500 | 3.250 | ------ | ------ |
APR | 3.673 | 3.354 | 3.596 | 3.375 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 3.500 | 3.250 | ------ | ------ | 3.500 | ------ |
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.625 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 3.750 | 3.500 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 2.875 |
APR | 3.232 | 2.843 | 3.197 | 2.802 | 2.771 | 2.887 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.694 | 3.528 | ------ | ------ | 3.880 | 4.005 |
|
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.875 | 4.000 |
APR | 3.689 | 3.518 | ------ | ------ | 3.875 | 4.000 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
APR | 3.647 | 3.290 | 3.628 | 3.281 | ------ | ------ |