******************************* 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 | 4.000 | 3.750 | 3.750 | 3.625 | ------ | ------ |
>$484K | 4.000 | 3.125 | 3.750 | 3.125 | 4.625 | 4.625 |
Jumbo | ------ | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | ------ | ------ | 4.375 | 4.000 | ------ | ------ |
>$484K | 4.375 | 3.625 | 4.000 | 3.500 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 |
APR | 3.539 | 3.339 | 3.527 | 3.352 | 2.923 | 3.299 |
|
>$484K | 4.250 | 3.875 | ------ | ------ | ------ | ------ |
APR | 4.295 | 3.953 | ------ | ------ | ------ | ------ |
|
Jumbo | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.049 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
APR | 4.543 | 3.965 | 4.170 | 3.868 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.625 | 3.625 | 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 | 4.500 | 4.000 | 4.250 | 4.000 | ------ | ------ |
>$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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 |
APR | 3.512 | 3.291 | 3.489 | 3.283 | 2.897 | 3.272 |
|
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.010 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
APR | 4.514 | 3.916 | 4.131 | 3.798 | ------ | ------ |
|
******************************* 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 | 4.125 | 3.875 | 4.000 | 3.875 | ------ | ------ |
>$484K | 4.625 | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | 4.625 |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 |
APR | 3.506 | 3.296 | 3.494 | 3.291 | 2.900 | 3.275 |
|
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.014 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
APR | 4.518 | 3.922 | 4.136 | 3.806 | ------ | ------ |
|
******************************* 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 | 4.500 | ------ | 4.375 | 4.000 | ------ | ------ |
>$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 | 3.375 | 3.250 | 3.375 | 3.125 | 2.875 | 3.250 |
APR | 3.430 | 3.313 | 3.438 | 3.269 | 2.928 | 3.305 |
|
>$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ |
APR | 4.906 | 4.135 | 4.418 | 4.098 | ------ | ------ |
|
******************************* 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 | 3.500 | 3.500 | 3.375 | 3.250 | ------ |
>$484K | ------ | 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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 |
APR | 3.498 | 3.282 | 3.483 | 3.270 | 2.892 | 3.268 |
|
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.023 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ |
APR | 4.512 | 3.980 | 4.128 | 3.798 | ------ | ------ |
|
******************************* 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 | 4.750 | 4.000 | 4.375 | 4.000 | ------ | ------ |
>$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 | 5.000 | 4.125 | 4.500 | 4.125 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.250 | 3.375 | 3.250 | 2.875 | 3.250 |
APR | 3.524 | 3.329 | 3.450 | 3.338 | 2.927 | 3.303 |
|
>$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ |
APR | 4.913 | 4.147 | 4.427 | 4.115 | ------ | ------ |
|
******************************* 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 | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
>$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 | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.250 | 3.375 | 3.250 | 2.875 | 3.250 |
APR | 3.538 | 3.354 | 3.470 | 3.375 | 2.941 | 3.317 |
|
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.031 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ |
APR | 4.928 | 4.173 | 4.448 | 4.152 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.625 | 3.625 | 3.500 | ------ | ------ |
>$484K | ------ | 4.375 | ------ | ------ | ------ | ------ |
Jumbo | ------ | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 4.000 | 4.250 | 4.000 | ------ | ------ |
>$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 | 3.500 | 3.250 | 3.500 | 3.250 | 2.875 | 3.250 |
APR | 3.512 | 3.290 | 3.489 | 3.281 | 2.896 | 3.272 |
|
>$484K | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.010 | ------ | ------ | ------ | ------ |
|
Jumbo | ------ | 4.000 | ------ | ------ | ------ | ------ |
APR | ------ | 4.000 | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.500 | 3.875 | 4.125 | 3.750 | ------ | ------ |
APR | 4.514 | 3.915 | 4.130 | 3.796 | ------ | ------ |