******************************* 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 |
3.250 |
3.500 |
>$424K |
4.000 |
3.250 |
4.050 |
------ |
3.625 |
3.875 |
Jumbo |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.250 |
3.750 |
4.000 |
>$424K |
4.500 |
3.875 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.775 |
3.062 |
3.631 |
3.037 |
3.053 |
3.304 |
|
>$424K |
3.875 |
3.250 |
3.875 |
------ |
3.500 |
3.625 |
APR |
3.923 |
3.260 |
3.942 |
------ |
3.527 |
3.669 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.898 |
3.558 |
4.276 |
------ |
3.523 |
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 |
3.500 |
3.750 |
APR |
4.161 |
3.581 |
3.953 |
3.617 |
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 |
3.875 |
3.125 |
3.625 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
|
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 |
4.625 |
4.000 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.746 |
3.012 |
3.592 |
2.965 |
3.026 |
3.276 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.873 |
3.515 |
4.242 |
------ |
3.500 |
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 |
3.500 |
3.750 |
APR |
4.132 |
3.530 |
3.913 |
3.544 |
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 |
3.125 |
3.875 |
3.990 |
>$424K |
4.250 |
3.875 |
4.500 |
------ |
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 |
4.750 |
4.250 |
4.500 |
------ |
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 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.740 |
3.018 |
3.597 |
2.974 |
3.030 |
3.280 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.876 |
3.520 |
4.246 |
------ |
3.502 |
3.752 |
|
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 |
3.537 |
3.918 |
3.553 |
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 |
------ |
4.375 |
>$424K |
4.750 |
4.250 |
4.500 |
------ |
3.750 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.875 |
------ |
4.750 |
>$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 |
3.000 |
3.250 |
APR |
3.681 |
3.027 |
3.563 |
2.992 |
3.054 |
3.305 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.500 |
3.750 |
APR |
4.497 |
3.907 |
4.247 |
------ |
3.503 |
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 |
3.500 |
3.750 |
APR |
4.057 |
3.475 |
3.925 |
3.520 |
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 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$424K |
5.125 |
4.500 |
4.875 |
------ |
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 |
5.125 |
4.500 |
4.875 |
------ |
4.375 |
4.375 |
|
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 |
3.000 |
3.250 |
APR |
3.753 |
3.042 |
3.576 |
3.015 |
3.052 |
3.303 |
|
>$424K |
4.500 |
3.875 |
4.250 |
------ |
3.500 |
3.750 |
APR |
4.498 |
3.908 |
4.247 |
------ |
3.503 |
3.753 |
|
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 |
4.500 |
APR |
4.139 |
3.561 |
3.937 |
3.588 |
3.558 |
4.562 |
|
******************************* 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 |
3.875 |
3.250 |
------ |
4.500 |
>$424K |
4.250 |
3.875 |
4.625 |
------ |
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 |
------ |
4.750 |
>$424K |
4.875 |
4.250 |
4.625 |
------ |
3.875 |
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 |
2.875 |
3.000 |
3.250 |
APR |
3.768 |
3.067 |
3.596 |
3.052 |
3.066 |
3.317 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.882 |
3.531 |
4.255 |
------ |
3.509 |
3.759 |
|
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 |
4.154 |
3.587 |
3.958 |
3.626 |
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 |
3.875 |
3.125 |
3.625 |
3.125 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
Jumbo |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
|
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 |
4.625 |
4.000 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.760 |
3.011 |
3.614 |
2.963 |
3.025 |
3.276 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.873 |
3.515 |
4.242 |
------ |
3.499 |
3.749 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.500 |
3.750 |
APR |
3.868 |
3.506 |
4.234 |
------ |
3.494 |
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 |
3.500 |
3.750 |
APR |
4.131 |
3.529 |
3.912 |
3.542 |
3.508 |
3.758 |