******************************* 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 | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ |
>$484K | 3.375 | 3.000 | ------ | ------ | ------ | ------ |
Jumbo | ------ | 3.875 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.125 | 3.000 | ------ | ------ |
>$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 | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ |
APR | 2.982 | 2.585 | 2.788 | 2.538 | ------ | ------ |
|
>$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 | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ |
>$484K | 3.375 | 3.000 | ------ | ------ | ------ | ------ |
|
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 | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ |
APR | 2.952 | 2.597 | 2.794 | 2.578 | ------ | ------ |
|
>$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 | 3.125 | 2.750 | 3.000 | 2.750 | ------ | ------ |
>$484K | 3.750 | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 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 | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ |
APR | 2.916 | 2.553 | 2.801 | 2.517 | ------ | ------ |
|
>$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 | 3.250 | 2.875 | 3.125 | 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 | 3.875 | 3.500 | 3.750 | 3.500 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | ------ | ------ |
APR | 3.145 | 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 | 3.000 | 2.625 | 2.875 | 2.625 | ------ | ------ |
>$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 | 2.875 | 2.625 | 2.750 | 2.625 | ------ | ------ |
APR | 2.928 | 2.689 | 2.783 | 2.656 | ------ | ------ |
|
>$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 | 3.500 | 3.250 | 3.375 | 3.250 | ------ | ------ |
>$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 | 3.000 | 2.500 | 2.875 | 2.500 | ------ | ------ |
APR | 3.053 | 2.546 | 2.902 | 2.523 | ------ | ------ |
|
>$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 | 3.250 | 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 | 4.000 | ------ | 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 | 3.000 | 2.500 | 2.875 | 2.500 | ------ | ------ |
APR | 3.067 | 2.571 | 2.900 | 2.533 | ------ | ------ |
|
>$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 | 3.000 | 2.625 | 32.875 | 2.625 | ------ | ------ |
>$484K | 3.375 | 3.875 | ------ | ------ | 4.000 | 4.375 |
Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT 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 | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 2.875 | 2.500 | 2.750 | 2.500 | ------ | ------ |
APR | 2.902 | 2.526 | 2.787 | 2.517 | ------ | ------ |
|
>$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 | ------ | ------ | ------ |