******************************* 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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
>$453K |
4.625 |
4.125 |
------ |
------ |
4.000 |
------ |
Jumbo |
4.625 |
4.750 |
------ |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
4.750 |
4.250 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.750 |
4.000 |
APR |
4.411 |
3.901 |
4.271 |
3.913 |
3.806 |
4.036 |
|
>$453K |
4.500 |
4.000 |
------ |
------ |
3.750 |
------ |
APR |
4.527 |
4.047 |
------ |
------ |
3.797 |
------ |
|
Jumbo |
4.500 |
4.375 |
------ |
------ |
3.875 |
3.875 |
APR |
4.534 |
4.435 |
------ |
------ |
3.918 |
3.918 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.902 |
4.458 |
4.676 |
4.494 |
------ |
------ |
|
******************************* 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 |
4.500 |
4.000 |
4.375 |
4.000 |
4.125 |
4.250 |
>$453K |
4.750 |
4.750 |
------ |
------ |
4.375 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.750 |
4.000 |
APR |
4.382 |
3.850 |
4.230 |
3.839 |
3.777 |
4.007 |
|
>$453K |
4.500 |
4.375 |
------ |
------ |
3.875 |
3.875 |
APR |
4.509 |
4.391 |
------ |
------ |
3.894 |
3.894 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.871 |
4.406 |
4.635 |
4.419 |
------ |
------ |
|
******************************* 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 |
4.500 |
4.125 |
4.375 |
4.125 |
4.250 |
4.375 |
>$453K |
4.875 |
------ |
------ |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.250 |
4.500 |
4.250 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.250 |
3.875 |
3.750 |
4.000 |
APR |
4.375 |
3.857 |
4.236 |
3.849 |
3.781 |
4.011 |
|
>$453K |
4.500 |
4.375 |
------ |
------ |
3.875 |
3.875 |
APR |
4.512 |
4.395 |
------ |
------ |
3.896 |
3.896 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.125 |
3.750 |
3.750 |
4.000 |
APR |
4.380 |
3.832 |
4.190 |
3.869 |
3.806 |
4.036 |
|
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.125 |
3.750 |
3.750 |
4.000 |
APR |
4.380 |
3.832 |
4.190 |
3.869 |
3.806 |
4.036 |
|
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.125 |
3.750 |
3.750 |
4.000 |
APR |
4.380 |
3.832 |
4.190 |
3.869 |
3.806 |
4.036 |
|
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.125 |
3.750 |
3.750 |
4.000 |
APR |
4.380 |
3.832 |
4.190 |
3.869 |
3.806 |
4.036 |
|
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.750 |
4.125 |
3.750 |
3.750 |
4.000 |
APR |
4.380 |
3.832 |
4.190 |
3.869 |
3.806 |
4.036 |
|
4.750 |
4.375 |
4.625 |
4.375 |
------ |
------ |
APR |
4.783 |
4.413 |
4.640 |
4.429 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
------ |