******************************* 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 | 3.000 | 3.000 | 3.250 |
>$484K | 3.500 | 3.375 | ------ | ------ | ------ | ------ |
Jumbo | ------ | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.375 | 3.375 | 3.250 | ------ | ------ |
>$484K | 4.375 | 3.875 | 4.000 | 3.500 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.239 | 2.838 | 3.207 | 2.852 | 2.672 | 2.788 |
|
>$484K | 3.375 | 3.125 | ------ | ------ | ------ | ------ |
APR | 3.397 | 3.201 | ------ | ------ | ------ | ------ |
|
Jumbo | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.915 | 3.905 | ------ | ------ | 4.278 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
APR | 4.427 | 3.965 | 4.196 | 3.979 | ------ | ------ |
|
******************************* 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 | 3.000 | 3.250 | 2.875 | 2.875 | 3.125 |
>$484K | ------ | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.250 | 3.375 | 3.250 | ------ | ------ |
>$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 | 3.250 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.213 | 2.790 | 3.170 | 2.782 | 2.646 | 2.762 |
|
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.892 | 3.867 | ------ | ------ | 4.256 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
APR | 4.399 | 3.916 | 4.157 | 3.908 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (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 | 3.125 | 3.250 | 3.125 | 3.250 | 3.500 |
>$484K | ------ | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.500 | 3.500 | 3.375 | ------ | ------ |
>$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 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.206 | 2.796 | 3.174 | 2.790 | 2.649 | 2.765 |
|
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.894 | 3.871 | ------ | ------ | 4.258 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
APR | 4.407 | 3.922 | 4.162 | 3.916 | ------ | ------ |
|
******************************* TEXAS ******************************* (Based on Conforming Loan $300K, 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 | 3.375 | 3.375 | 3.250 | ------ | ------ |
>$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 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.215 | 2.812 | 3.187 | 2.815 | 2.678 | 2.793 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.165 | 3.846 | ------ | ------ | 3.890 | 4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.875 | 3.875 | 3.625 | ------ | ------ |
APR | 4.057 | 3.851 | 3.954 | 3.771 | ------ | ------ |
|
******************************* 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 | 2.750 | 3.000 |
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
|
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 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.198 | 2.782 | 3.163 | 2.770 | 2.642 | 2.757 |
|
>$484K | 5.000 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 5.014 | 3.880 | ------ | ------ | 4.263 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
APR | 4.399 | 3.908 | 4.151 | 3.895 | ------ | ------ |
|
******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, 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 | 3.750 | 3.875 | 3.625 | ------ | ------ |
>$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 | ------ | ------ | 4.500 | 4.000 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.224 | 2.828 | 3.199 | 2.837 | 2.676 | 2.792 |
|
>$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 | 4.250 | 3.875 | 4.000 | 3.750 | ------ | ------ |
APR | 4.281 | 3.955 | 4.077 | 3.892 | ------ | ------ |
|
******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, 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 | 3.500 | 3.500 | 3.375 | ------ | ------ |
>$484K | ------ | 4.375 | ------ | ------ | ------ | ------ |
|
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 | 3.875 | ------ | ------ |
>$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 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.238 | 2.853 | 3.218 | 2.874 | 2.690 | 2.806 |
|
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.904 | 3.888 | ------ | ------ | 4.268 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.875 | 4.000 | 3.750 | ------ | ------ |
APR | 4.296 | 3.981 | 4.097 | 3.930 | ------ | ------ |
|
******************************* 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 | 3.000 | 3.250 | 2.875 | 2.875 | 3.125 |
>$484K | ------ | 4.125 | ------ | ------ | ------ | ------ |
Jumbo | ------ | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.250 | 3.375 | 3.250 | ------ | ------ |
>$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 | 3.250 | 2.750 | 3.250 | 2.750 | 2.625 | 2.750 |
APR | 3.212 | 2.789 | 3.169 | 2.781 | 2.646 | 2.762 |
|
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.892 | 3.866 | ------ | ------ | 4.255 | ------ |
|
Jumbo | 4.875 | 3.875 | ------ | ------ | 4.250 | ------ |
APR | 4.886 | 3.856 | ------ | ------ | 4.250 | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.875 | 4.125 | 3.875 | ------ | ------ |
APR | 4.398 | 3.915 | 4.157 | 3.907 | ------ | ------ |