******************************* 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 |
3.990 |
3.375 |
3.750 |
3.250 |
3.875 |
3.875 |
>$424K |
4.125 |
------ |
3.875 |
------ |
------ |
4.375 |
Jumbo |
4.000 |
3.625 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.375 |
------ |
4.125 |
>$424K |
4.500 |
------ |
4.250 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.625 |
3.625 |
APR |
3.901 |
3.273 |
3.693 |
3.139 |
3.663 |
3.664 |
|
>$424K |
3.990 |
------ |
3.875 |
------ |
------ |
4.250 |
APR |
4.033 |
------ |
3.881 |
------ |
------ |
4.281 |
|
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.876 |
3.545 |
------ |
------ |
3.402 |
3.417 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
3.750 |
------ |
------ |
APR |
4.387 |
4.050 |
4.276 |
3.895 |
------ |
------ |
|
******************************* 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 |
3.990 |
3.375 |
3.750 |
3.250 |
3.875 |
3.875 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.750 |
3.875 |
|
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 |
3.250 |
------ |
4.125 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.625 |
3.625 |
APR |
3.873 |
3.223 |
3.653 |
3.066 |
3.635 |
3.636 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.873 |
3.609 |
------ |
------ |
3.502 |
3.512 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
3.750 |
------ |
------ |
APR |
4.358 |
3.999 |
4.235 |
3.821 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.375 |
3.875 |
3.250 |
4.000 |
3.875 |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.375 |
------ |
4.125 |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.500 |
3.625 |
APR |
3.866 |
3.212 |
3.644 |
3.050 |
3.526 |
3.629 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.875 |
3.614 |
------ |
------ |
3.505 |
3.515 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.277 |
3.805 |
4.158 |
3.804 |
------ |
------ |
|
******************************* 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 |
4.250 |
3.625 |
4.000 |
3.500 |
------ |
4.250 |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.625 |
------ |
------ |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
3.625 |
APR |
3.906 |
3.281 |
3.760 |
3.150 |
3.667 |
3.668 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.873 |
3.610 |
------ |
------ |
3.503 |
3.513 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
3.875 |
------ |
------ |
APR |
4.392 |
4.058 |
4.282 |
4.008 |
------ |
------ |
|
******************************* 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 |
4.375 |
3.990 |
4.250 |
3.750 |
------ |
------ |
>$424K |
4.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.500 |
4.125 |
4.375 |
4.000 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
3.625 |
APR |
3.912 |
3.292 |
3.769 |
3.166 |
3.674 |
3.675 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.876 |
3.615 |
------ |
------ |
3.505 |
3.515 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
3.875 |
------ |
------ |
APR |
4.398 |
4.070 |
4.291 |
4.024 |
------ |
------ |
|
******************************* 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 |
4.250 |
3.750 |
4.125 |
3.500 |
------ |
4.250 |
>$424K |
4.125 |
4.000 |
------ |
------ |
------ |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
4.000 |
------ |
------ |
>$424K |
4.250 |
4.125 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
3.625 |
APR |
3.927 |
3.318 |
3.789 |
3.202 |
3.688 |
3.689 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.882 |
3.625 |
------ |
------ |
3.511 |
3.521 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.990 |
4.250 |
3.875 |
------ |
------ |
APR |
4.413 |
4.096 |
4.311 |
4.062 |
------ |
------ |
|
******************************* 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 |
3.990 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.750 |
3.875 |
Jumbo |
4.000 |
3.625 |
------ |
------ |
3.625 |
3.625 |
|
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 |
3.250 |
------ |
4.000 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.250 |
3.500 |
3.625 |
APR |
3.862 |
3.204 |
3.638 |
3.039 |
3.522 |
3.625 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.872 |
3.609 |
------ |
------ |
3.502 |
3.512 |
|
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.847 |
3.492 |
------ |
------ |
3.373 |
3.388 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.272 |
3.797 |
4.151 |
3.793 |
------ |
------ |