******************************* CALIFORNIA ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
$650K | ------ | 2.750 | ------ | ------ | ------ | ------ |
Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | ------ | 2.500 | 3.500 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
APR | 2.920 | 2.261 | 2.911 | 2.244 | ------ | ------ |
|
$650K | ------ | 2.375 | ------ | ------ | ------ | ------ |
APR | ------ | 2.450 | ------ | ------ | ------ | ------ |
|
Jumbo | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 |
APR | 4.520 | 4.045 | ------ | ------ | 4.289 | 4.527 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.750 | 3.375 | 2.750 | ------ | ------ |
APR | 3.403 | 2.860 | 3.391 | 2.813 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $510K, 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 |
$510K | 3.250 | 2.375 | 3.125 | 2.250 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | ------ | 2.500 | 3.500 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
APR | 2.895 | 2.215 | 2.875 | 2.177 | ------ | ------ |
|
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.750 | 3.250 | 2.750 | ------ | ------ |
APR | 3.408 | 2.892 | 3.397 | 2.850 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $510K, 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 |
$510K | 3.375 | 2.375 | 3.375 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | ------ | 2.875 | ------ | 2.750 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
APR | 2.888 | 2.220 | 2.879 | 2.184 | ------ | ------ |
|
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.750 | 3.375 | 2.750 | ------ | ------ |
APR | 3.410 | 2.895 | 3.396 | 2.855 | ------ | ------ |
|
******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K | 3.375 | 2.375 | 3.375 | 2.375 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | ------ | ------ | ------ | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.875 | 2.125 | 2.750 | 2.125 | ------ | ------ |
APR | 2.881 | 2.172 | 2.800 | 2.168 | ------ | ------ |
|
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.500 | 3.125 | 3.375 | 3.125 | ------ | ------ |
APR | 3.522 | 3.252 | 3.406 | 3.221 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $510K, Jumbo Loan $900K. 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 |
$510K | 3.000 | 2.250 | 2.875 | 2.250 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.375 | 3.375 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
APR | 2.879 | 2.205 | 2.867 | 2.161 | ------ | ------ |
|
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.750 | 3.375 | 2.750 | ------ | ------ |
APR | 3.401 | 2.856 | 3.386 | 2.804 | ------ | ------ |
|
******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K 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 |
$300K | ------ | 3.000 | ------ | 2.875 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | ------ | ------ | ------ | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.875 | 2.125 | 2.875 | 2.125 | ------ | ------ |
APR | 2.890 | 2.188 | 2.883 | 2.191 | ------ | ------ |
|
$600K | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 |
APR | 4.499 | 4.009 | ------ | ------ | 4.268 | 4.506 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.500 | 3.125 | 3.375 | 3.000 | ------ | ------ |
APR | 3.564 | 3.152 | 3.406 | 3.081 | ------ | ------ |
|
******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K | 3.625 | 2.500 | 3.500 | 2.375 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | ------ | 3.125 | ------ | 3.000 | ------ | ------ |
$600K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 2.875 | 2.125 | 2.875 | 2.125 | ------ | ------ |
APR | 2.899 | 2.204 | 2.896 | 2.215 | ------ | ------ |
|
$600K | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 |
APR | 4.504 | 4.017 | ------ | ------ | 4.273 | 4.511 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$300K | 3.500 | 3.125 | 3.375 | 3.000 | ------ | ------ |
APR | 3.567 | 3.156 | 3.411 | 3.095 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K | 3.250 | 2.250 | 3.125 | 2.250 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
Jumbo | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | ------ | 2.500 | 3.500 | 2.375 | ------ | ------ |
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 2.875 | 2.250 | 2.875 | 2.125 | ------ | ------ |
APR | 2.894 | 2.214 | 2.875 | 2.176 | ------ | ------ |
|
$650K | ------ | ------ | ------ | ------ | ------ | ------ |
APR | ------ | ------ | ------ | ------ | ------ | ------ |
|
Jumbo | 4.500 | 4.000 | ------ | ------ | 4.250 | 4.500 |
APR | 4.492 | 3.996 | ------ | ------ | 4.261 | 4.499 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
$510K | 3.375 | 2.750 | 3.375 | 2.750 | ------ | ------ |
APR | 3.400 | 2.857 | 3.388 | 2.810 | ------ | ------ |