******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.125 |
3.375 |
3.875 |
------ |
3.625 |
3.625 |
Jumbo |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.875 |
3.750 |
>$424K |
4.450 |
4.000 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.785 |
3.169 |
3.645 |
3.116 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.250 |
3.750 |
------ |
3.250 |
3.375 |
APR |
3.925 |
3.315 |
3.813 |
------ |
3.296 |
3.404 |
|
Jumbo |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
3.877 |
3.577 |
4.151 |
------ |
3.411 |
3.524 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.750 |
APR |
4.171 |
3.688 |
4.021 |
3.716 |
3.662 |
3.787 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.125 |
3.750 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.750 |
3.750 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.757 |
3.119 |
3.606 |
3.043 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.853 |
3.533 |
4.117 |
------ |
3.508 |
3.623 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.750 |
APR |
4.142 |
3.637 |
3.981 |
3.642 |
3.634 |
3.759 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.375 |
3.625 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
3.875 |
>$424K |
4.250 |
4.125 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.750 |
3.125 |
3.611 |
3.053 |
3.010 |
3.155 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.855 |
3.538 |
4.121 |
------ |
3.511 |
3.626 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.750 |
APR |
4.136 |
3.644 |
3.986 |
3.652 |
3.637 |
3.763 |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $200K, 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 |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
4.125 |
3.875 |
>$424K |
4.250 |
4.125 |
4.375 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.875 |
------ |
4.250 |
>$424K |
4.250 |
4.125 |
4.375 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
3.000 |
3.125 |
APR |
3.755 |
3.081 |
3.578 |
3.065 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.750 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.894 |
3.747 |
4.122 |
------ |
3.511 |
3.624 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.140 |
3.582 |
3.939 |
3.619 |
3.683 |
3.808 |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, 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 |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
4.250 |
>$424K |
4.375 |
4.375 |
4.750 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
4.375 |
4.375 |
4.750 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.764 |
3.096 |
3.630 |
3.088 |
3.033 |
3.178 |
|
>$424K |
3.875 |
3.750 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.896 |
3.751 |
4.122 |
------ |
3.513 |
3.626 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.149 |
3.598 |
3.952 |
3.642 |
3.683 |
3.809 |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $200K, 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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
4.250 |
3.990 |
>$424K |
4.250 |
3.875 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
4.375 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.778 |
3.122 |
3.650 |
3.124 |
3.047 |
3.192 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.862 |
3.549 |
4.130 |
------ |
3.517 |
3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.164 |
3.623 |
3.972 |
3.679 |
3.698 |
3.823 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.125 |
3.750 |
4.250 |
------ |
3.750 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.750 |
3.750 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.757 |
3.118 |
3.605 |
3.042 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.500 |
3.625 |
APR |
3.852 |
3.533 |
4.117 |
------ |
3.510 |
3.623 |
|
Jumbo |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
3.848 |
3.524 |
4.109 |
------ |
3.382 |
3.495 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.750 |
APR |
4.142 |
3.636 |
3.980 |
3.641 |
3.633 |
3.758 |