******************************* CALIFORNIA ******************************* (Based on Conforming Loan $450K, 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 | 3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 3.750 | 3.250 | ------ | ------ | 3.875 | ------ |
Jumbo | 4.250 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.250 | 3.750 | 3.750 |
>$484K | 4.250 | 4.000 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.539 | 3.070 | 3.527 | 3.076 | 3.299 | 3.404 |
|
>$484K | 3.750 | 3.250 | ------ | ------ | 3.625 | ------ |
APR | 3.752 | 3.272 | ------ | ------ | 3.668 | ------ |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 4.007 | 3.762 | ------ | ------ | 3.902 | 4.027 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 4.040 | 3.715 | 3.945 | 3.728 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $450K, 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 | 3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 4.250 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.250 | 3.750 | 3.750 |
>$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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.512 | 3.022 | 3.489 | 3.006 | 3.272 | 3.377 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.985 | 3.723 | ------ | ------ | 3.881 | 4.006 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 4.013 | 3.666 | 3.907 | 3.658 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $450K, 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 | 3.750 | 3.250 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.375 | 4.125 | ------ | ------ | 4.250 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.506 | 3.028 | 3.494 | 3.014 | 3.275 | 3.381 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.987 | 3.727 | ------ | ------ | 3.883 | 4.008 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 4.006 | 3.672 | 3.912 | 3.666 | ------ | ------ |
|
******************************* 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 |
<=$484K | 3.750 | 3.250 | 3.750 | 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 | 4.375 | 4.000 | 4.125 | 3.750 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.430 | 3.045 | 3.438 | 3.039 | 3.305 | 3.410 |
|
>$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 | 3.500 | 3.875 | 3.500 | ------ | ------ |
APR | 3.921 | 3.600 | 3.925 | 3.619 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $450K, 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 | 3.625 | 3.125 | 3.500 | 3.125 | 3.375 | 3.500 |
>$484K | 4.125 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.498 | 3.014 | 3.483 | 2.994 | 3.268 | 3.373 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.992 | 3.736 | ------ | ------ | 3.888 | 4.013 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 3.998 | 3.657 | 3.900 | 3.645 | ------ | ------ |
|
******************************* 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 |
<=$484K | 3.875 | 3.500 | 3.875 | 3.500 | ------ | ------ |
>$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 | 4.125 | 3.875 | 4.000 | 3.750 | ------ | ------ |
>$484K | 5.250 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.524 | 3.060 | 3.450 | 3.061 | 3.303 | 3.408 |
|
>$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 | 3.625 | 3.875 | 3.500 | ------ | ------ |
APR | 3.930 | 3.705 | 3.937 | 3.642 | ------ | ------ |
|
******************************* 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 |
<=$484K | 3.750 | 3.375 | 3.750 | 3.375 | ------ | ------ |
>$484K | 4.375 | 4.250 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
>$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.250 | 3.375 |
APR | 3.538 | 3.085 | 3.470 | 3.098 | 3.317 | 3.423 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.997 | 3.744 | ------ | ------ | 3.892 | 4.018 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.625 | 3.875 | 3.500 | ------ | ------ |
APR | 3.945 | 3.730 | 3.958 | 3.679 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $450K, 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 | 3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.500 |
>$484K | 4.250 | 3.875 | ------ | ------ | 4.125 | 4.250 |
Jumbo | 4.250 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.750 | 3.250 | 3.750 | 3.250 | 3.750 | 3.750 |
>$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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.250 | 3.375 |
APR | 3.512 | 3.021 | 3.489 | 3.005 | 3.272 | 3.377 |
|
>$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.985 | 3.723 | ------ | ------ | 3.880 | 4.005 |
|
Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.000 |
APR | 3.979 | 3.713 | ------ | ------ | 3.875 | 4.000 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 3.875 | 3.625 | ------ | ------ |
APR | 4.012 | 3.665 | 3.906 | 3.657 | ------ | ------ |