******************************* 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 |
3.500 |
3.375 |
------ |
------ |
------ |
------ |
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 |
4.375 |
3.625 |
4.000 |
3.500 |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.269 |
2.945 |
3.248 |
2.878 |
------ |
------ |
|
>$484K |
3.375 |
3.250 |
------ |
------ |
------ |
------ |
APR |
3.417 |
3.290 |
------ |
------ |
------ |
------ |
|
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 |
4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.176 |
------ |
3.945 |
------ |
------ |
------ |
|
******************************* 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 |
3.500 |
3.000 |
------ |
------ |
4.000 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
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 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.242 |
2.897 |
3.212 |
2.808 |
------ |
------ |
|
>$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 |
4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.148 |
------ |
3.907 |
------ |
------ |
------ |
|
******************************* 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 |
3.000 |
3.125 |
3.000 |
------ |
------ |
>$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 |
3.500 |
3.500 |
------ |
------ |
>$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 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.236 |
2.903 |
3.216 |
2.817 |
------ |
------ |
|
>$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 |
4.000 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.026 |
------ |
3.912 |
------ |
------ |
------ |
|
******************************* 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 |
3.245 |
2.830 |
3.202 |
2.841 |
------ |
------ |
|
>$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 |
3.750 |
3.875 |
------ |
------ |
APR |
3.921 |
4.102 |
3.828 |
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 |
2.750 |
3.125 |
2.750 |
------ |
------ |
>$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 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.228 |
2.889 |
3.205 |
2.796 |
------ |
------ |
|
>$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 |
4.000 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.018 |
------ |
3.900 |
------ |
------ |
------ |
|
******************************* 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 |
3.750 |
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 |
4.375 |
------ |
4.250 |
------ |
------ |
------ |
>$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 |
3.253 |
2.846 |
3.241 |
2.863 |
------ |
------ |
|
>$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 |
3.875 |
------ |
3.875 |
4.000 |
------ |
------ |
APR |
3.930 |
------ |
3.937 |
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 |
3.500 |
3.000 |
3.125 |
3.000 |
------ |
------ |
>$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 |
4.000 |
------ |
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 |
------ |
------ |
APR |
3.267 |
2.871 |
3.260 |
2.900 |
------ |
------ |
|
>$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 |
3.875 |
------ |
3.875 |
4.000 |
------ |
------ |
APR |
3.945 |
------ |
3.958 |
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 |
2.750 |
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 |
3.250 |
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 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.242 |
2.896 |
3.211 |
2.807 |
------ |
------ |
|
>$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 |
4.125 |
------ |
3.875 |
------ |
------ |
------ |
APR |
4.148 |
------ |
3.906 |
------ |
------ |
------ |