******************************* 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 | 2.750 | 3.125 | 2.750 | ------ | ------ |
>$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ |
Jumbo | 4.375 | 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 | 3.625 | 3.500 | 3.500 | 3.375 | ------ | ------ |
>$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 | 3.125 | 2.625 | 3.125 | 2.625 | ------ | ------ |
APR | 3.179 | 2.718 | 3.179 | 2.718 | ------ | ------ |
|
>$484K | 3.500 | 3.250 | ------ | ------ | ------ | ------ |
APR | 3.522 | 3.308 | ------ | ------ | ------ | ------ |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.037 | 3.789 | ------ | ------ | 3.887 | 4.156 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ |
APR | 4.302 | ------ | 4.071 | ------ | ------ | ------ |
|
******************************* 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 | 2.750 | 3.125 | 2.750 | ------ | ------ |
>$484K | 4.375 | 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 | 3.500 | 3.375 | 3.500 | 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 | 3.125 | 2.625 | 3.250 | 2.750 | ------ | ------ |
APR | 3.152 | 2.690 | 3.225 | 2.782 | ------ | ------ |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.016 | 3.752 | ------ | ------ | 3.866 | 4.135 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ |
APR | 4.274 | ------ | 4.032 | ------ | ------ | ------ |
|
******************************* 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 | 3.375 | 2.875 | 3.250 | 2.875 | ------ | ------ |
>$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 | 3.625 | 3.625 | 3.625 | 3.625 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.246 | 2.796 | 3.230 | 2.790 | ------ | ------ |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.018 | 3.756 | ------ | ------ | 3.868 | 4.137 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ |
APR | 4.152 | ------ | 4.037 | ------ | ------ | ------ |
|
******************************* 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 | 3.375 | 2.875 | 3.250 | 2.875 | ------ | ------ |
>$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 | 3.125 | 2.750 | ------ | ------ |
APR | 3.255 | 2.812 | 3.202 | 2.815 | ------ | ------ |
|
>$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 | 3.875 | 4.000 | 3.875 | 3.875 | ------ | ------ |
APR | 3.932 | 4.102 | 3.939 | 4.021 | ------ | ------ |
|
******************************* 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 | 3.125 | 2.875 | ------ | ------ |
>$484K | 4.625 | 4.125 | ------ | ------ | 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 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.238 | 2.782 | 3.219 | 2.770 | ------ | ------ |
|
>$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
APR | 4.370 | 3.871 | ------ | ------ | 3.999 | 4.377 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ |
APR | 4.143 | ------ | 4.025 | ------ | ------ | ------ |
|
******************************* 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 | 3.875 | 4.000 | 3.875 | 3.875 | ------ | ------ |
>$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 | ------ | 4.375 | ------ | ------ | ------ |
>$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 | ------ | ------ |
APR | 3.263 | 2.828 | 3.255 | 2.837 | ------ | ------ |
|
>$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 | 4.000 | ------ | 3.875 | 4.000 | ------ | ------ |
APR | 4.056 | ------ | 3.952 | 4.143 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.625 | 3.625 | ------ | ------ |
>$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 | 4.125 | ------ | 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 | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.277 | 2.853 | 3.274 | 2.874 | ------ | ------ |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.153 | 3.861 | ------ | ------ | 3.899 | 4.269 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | ------ | 3.875 | 4.000 | ------ | ------ |
APR | 4.070 | ------ | 3.972 | 4.181 | ------ | ------ |
|
******************************* 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 | 3.125 | 2.750 | ------ | ------ |
>$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
Jumbo | 4.375 | 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 | 3.500 | 3.375 | 3.500 | 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 | ------ | ------ |
APR | 3.252 | 2.789 | 3.225 | 2.781 | ------ | ------ |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.016 | 3.751 | ------ | ------ | 3.866 | 4.135 |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 |
APR | 4.010 | 3.741 | ------ | ------ | 3.860 | 4.129 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ |
APR | 4.273 | ------ | 4.032 | ------ | ------ | ------ |