******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
4.250 |
4.375 |
>$453K |
4.250 |
3.875 |
4.250 |
------ |
4.125 |
4.250 |
Jumbo |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
4.250 |
4.375 |
>$453K |
4.700 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
4.000 |
3.875 |
APR |
4.025 |
3.456 |
3.881 |
3.492 |
4.038 |
3.931 |
|
>$453K |
4.125 |
3.625 |
4.125 |
------ |
4.000 |
4.125 |
APR |
4.156 |
3.709 |
4.168 |
------ |
4.028 |
4.153 |
|
Jumbo |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.169 |
4.078 |
4.527 |
------ |
3.898 |
3.793 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.433 |
4.101 |
4.285 |
4.145 |
4.038 |
4.163 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
4.125 |
4.250 |
>$453K |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
4.125 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
4.000 |
3.875 |
APR |
3.996 |
3.405 |
3.841 |
3.419 |
4.009 |
3.902 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.144 |
4.034 |
4.492 |
------ |
3.873 |
3.769 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.403 |
4.049 |
4.245 |
4.071 |
4.009 |
4.134 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
4.375 |
4.375 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
4.375 |
4.375 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
4.000 |
3.875 |
APR |
3.990 |
3.412 |
3.847 |
3.428 |
4.013 |
3.906 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.147 |
4.039 |
4.496 |
------ |
3.876 |
3.771 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.396 |
4.056 |
4.250 |
4.081 |
4.013 |
4.138 |
|
******************************* 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 |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.375 |
4.375 |
------ |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
3.875 |
3.375 |
3.750 |
3.375 |
4.000 |
3.875 |
APR |
3.932 |
3.420 |
3.814 |
3.440 |
4.059 |
3.932 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
APR |
4.747 |
4.158 |
4.497 |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.125 |
4.000 |
4.000 |
4.125 |
APR |
4.401 |
4.064 |
4.190 |
4.093 |
4.059 |
4.184 |
|
******************************* 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 |
<=$453K |
4.375 |
4.000 |
4.125 |
4.000 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.875 |
4.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.250 |
4.250 |
4.250 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.875 |
4.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.750 |
3.375 |
4.000 |
3.875 |
APR |
4.004 |
3.436 |
3.826 |
3.463 |
4.060 |
3.930 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
APR |
4.748 |
4.158 |
4.497 |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.125 |
4.000 |
4.000 |
4.125 |
APR |
4.410 |
4.080 |
4.202 |
4.116 |
4.060 |
4.185 |
|
******************************* 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 |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
------ |
5.125 |
>$453K |
5.125 |
4.500 |
4.875 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
------ |
5.125 |
>$453K |
5.125 |
4.500 |
4.875 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.750 |
3.375 |
4.000 |
3.875 |
APR |
4.018 |
3.461 |
3.847 |
3.500 |
4.074 |
3.945 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.153 |
4.050 |
4.505 |
------ |
3.882 |
3.778 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.125 |
4.000 |
4.000 |
4.125 |
APR |
4.425 |
4.106 |
4.223 |
4.154 |
4.074 |
4.200 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
3.875 |
3.625 |
4.125 |
4.250 |
>$453K |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
Jumbo |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
4.125 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
4.000 |
3.875 |
APR |
3.996 |
3.404 |
3.841 |
3.417 |
4.008 |
3.902 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.144 |
4.033 |
4.492 |
------ |
3.873 |
3.768 |
|
Jumbo |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.750 |
APR |
4.139 |
4.024 |
4.484 |
------ |
3.868 |
3.763 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.403 |
4.048 |
4.244 |
4.069 |
4.008 |
4.133 |