******************************* 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 |
3.750 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.250 |
4.375 |
------ |
3.750 |
3.875 |
Jumbo |
3.875 |
3.625 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.875 |
4.000 |
>$424K |
4.500 |
4.125 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.754 |
3.062 |
3.563 |
3.017 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.250 |
4.250 |
------ |
3.250 |
3.750 |
APR |
3.922 |
3.260 |
4.282 |
------ |
3.295 |
3.778 |
|
Jumbo |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.773 |
3.540 |
4.276 |
------ |
3.648 |
3.774 |
|
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 |
4.150 |
3.581 |
3.939 |
3.617 |
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 |
3.750 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$424K |
4.625 |
4.000 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.726 |
3.012 |
3.520 |
2.944 |
2.901 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.748 |
3.497 |
4.242 |
------ |
3.625 |
3.750 |
|
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 |
4.121 |
3.530 |
3.899 |
3.544 |
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 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
4.000 |
4.000 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.656 |
3.018 |
3.517 |
2.954 |
2.904 |
3.145 |
|
>$424K |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.751 |
3.502 |
4.246 |
------ |
3.627 |
3.752 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.031 |
3.537 |
3.904 |
3.553 |
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 |
3.875 |
3.250 |
3.750 |
3.250 |
4.125 |
4.000 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.875 |
4.125 |
3.875 |
------ |
4.750 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.660 |
2.973 |
3.535 |
2.966 |
2.928 |
3.169 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.625 |
3.750 |
APR |
4.497 |
3.907 |
4.247 |
------ |
3.628 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.036 |
3.475 |
3.911 |
3.520 |
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 |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.669 |
3.042 |
3.547 |
2.989 |
2.927 |
3.168 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.625 |
3.750 |
APR |
4.498 |
3.908 |
4.247 |
------ |
3.628 |
3.753 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.045 |
3.561 |
3.923 |
3.588 |
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 |
3.250 |
3.750 |
3.250 |
4.125 |
4.000 |
>$424K |
4.125 |
3.875 |
4.625 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
------ |
4.750 |
>$424K |
4.875 |
4.250 |
4.625 |
------ |
4.000 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.683 |
3.067 |
3.593 |
3.025 |
2.941 |
3.182 |
|
>$424K |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.757 |
3.513 |
4.255 |
------ |
3.634 |
3.759 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.060 |
3.587 |
3.943 |
3.626 |
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 |
3.750 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
Jumbo |
3.875 |
3.625 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.625 |
4.000 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.723 |
3.011 |
3.511 |
2.943 |
2.900 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.748 |
3.496 |
4.242 |
------ |
3.624 |
3.749 |
|
Jumbo |
3.750 |
3.500 |
4.250 |
------ |
3.625 |
3.750 |
APR |
3.743 |
3.488 |
4.234 |
------ |
3.619 |
3.744 |
|
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 |
3.529 |
3.898 |
3.542 |
3.633 |
3.758 |