******************************* 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 |
3.125 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.625 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.625 |
|
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 |
2.875 |
3.125 |
APR |
3.761 |
3.080 |
3.569 |
3.064 |
2.928 |
3.169 |
|
>$424K |
3.990 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
APR |
4.028 |
3.278 |
3.755 |
3.264 |
3.295 |
3.519 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.783 |
3.531 |
4.151 |
------ |
3.392 |
3.404 |
|
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 |
3.500 |
3.750 |
APR |
4.161 |
3.599 |
3.953 |
3.644 |
3.537 |
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 |
4.250 |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.625 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.625 |
|
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 |
2.875 |
3.125 |
APR |
3.730 |
3.030 |
3.527 |
2.991 |
2.901 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.759 |
3.515 |
4.117 |
------ |
3.375 |
3.381 |
|
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 |
3.500 |
3.750 |
APR |
4.132 |
3.548 |
3.913 |
3.570 |
3.509 |
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 |
3.250 |
3.500 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.000 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
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 |
2.875 |
3.125 |
APR |
3.728 |
3.036 |
3.523 |
3.001 |
2.904 |
3.145 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.761 |
3.520 |
4.121 |
------ |
3.377 |
3.383 |
|
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 |
3.500 |
3.750 |
APR |
4.125 |
3.555 |
3.918 |
3.580 |
3.512 |
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 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
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 |
------ |
4.750 |
>$424K |
4.125 |
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 |
3.625 |
3.000 |
3.500 |
2.875 |
2.875 |
3.125 |
APR |
3.671 |
3.045 |
3.549 |
2.992 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.865 |
3.526 |
4.122 |
------ |
3.373 |
3.379 |
|
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 |
3.500 |
3.750 |
APR |
4.047 |
3.564 |
3.925 |
3.592 |
3.557 |
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 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.250 |
4.375 |
4.750 |
------ |
4.375 |
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 |
4.375 |
4.375 |
4.750 |
------ |
4.375 |
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 |
3.679 |
3.060 |
3.561 |
3.015 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.867 |
3.531 |
4.122 |
------ |
3.378 |
3.384 |
|
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 |
3.500 |
3.750 |
APR |
4.056 |
3.579 |
3.937 |
3.615 |
3.558 |
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 |
3.750 |
3.375 |
4.000 |
4.125 |
>$424K |
4.125 |
3.875 |
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 |
3.500 |
3.875 |
3.500 |
4.375 |
4.375 |
>$424K |
4.250 |
4.125 |
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 |
3.694 |
3.085 |
3.599 |
3.052 |
2.941 |
3.182 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.767 |
3.531 |
4.130 |
------ |
3.383 |
3.389 |
|
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 |
3.500 |
3.750 |
APR |
4.070 |
3.605 |
3.958 |
3.652 |
3.572 |
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 |
4.250 |
------ |
3.500 |
3.500 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
|
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 |
3.625 |
3.875 |
>$424K |
4.125 |
3.875 |
4.250 |
------ |
3.625 |
3.625 |
|
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 |
2.875 |
3.125 |
APR |
3.724 |
3.029 |
3.517 |
2.990 |
2.900 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.375 |
APR |
3.758 |
3.515 |
4.117 |
------ |
3.374 |
3.380 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.753 |
3.479 |
4.109 |
------ |
3.251 |
3.355 |
|
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 |
3.500 |
3.750 |
APR |
4.142 |
3.547 |
3.912 |
3.569 |
3.508 |
3.758 |