******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
>$424K |
4.125 |
3.500 |
3.990 |
3.500 |
3.750 |
3.750 |
Jumbo |
4.125 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.125 |
>$424K |
4.250 |
4.000 |
4.625 |
------ |
3.875 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.750 |
3.125 |
3.000 |
3.250 |
APR |
3.890 |
3.205 |
3.728 |
3.189 |
3.053 |
3.304 |
|
>$424K |
4.000 |
3.375 |
3.875 |
3.250 |
3.500 |
3.625 |
APR |
4.047 |
3.401 |
3.898 |
3.333 |
3.539 |
3.645 |
|
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
3.908 |
3.647 |
------ |
------ |
3.413 |
3.530 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.625 |
APR |
4.276 |
3.725 |
4.064 |
3.769 |
------ |
4.678 |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.000 |
>$424K |
4.250 |
4.000 |
------ |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.750 |
3.125 |
3.000 |
3.250 |
APR |
3.861 |
3.155 |
3.688 |
3.116 |
3.026 |
3.276 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
3.884 |
3.604 |
------ |
------ |
3.390 |
3.506 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.500 |
APR |
4.246 |
3.674 |
4.024 |
3.695 |
------ |
4.532 |
|
******************************* 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 |
3.750 |
3.875 |
>$424K |
4.250 |
3.875 |
------ |
------ |
4.375 |
4.125 |
|
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 |
3.500 |
4.125 |
4.250 |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.750 |
3.125 |
3.000 |
3.250 |
APR |
3.781 |
3.161 |
3.694 |
3.126 |
3.030 |
3.280 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
3.886 |
3.608 |
------ |
------ |
3.392 |
3.509 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.500 |
APR |
4.240 |
3.680 |
4.029 |
3.705 |
------ |
4.536 |
|
******************************* 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 |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.125 |
>$424K |
4.250 |
4.125 |
------ |
------ |
4.375 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.250 |
3.750 |
------ |
------ |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.786 |
3.170 |
3.689 |
3.118 |
3.054 |
3.305 |
|
>$424K |
4.000 |
3.750 |
------ |
------ |
3.375 |
3.500 |
APR |
4.010 |
3.747 |
------ |
------ |
3.388 |
3.505 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
4.375 |
4.625 |
APR |
4.182 |
3.689 |
4.036 |
3.717 |
4.422 |
4.658 |
|
******************************* 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 |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
------ |
>$424K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
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 |
3.750 |
------ |
------ |
>$424K |
4.500 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.794 |
3.185 |
3.701 |
3.140 |
3.052 |
3.303 |
|
>$424K |
4.000 |
3.750 |
------ |
------ |
3.375 |
3.500 |
APR |
4.013 |
3.752 |
------ |
------ |
3.393 |
3.509 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.625 |
APR |
4.254 |
3.705 |
4.048 |
3.740 |
------ |
4.680 |
|
******************************* 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 |
4.125 |
3.500 |
3.875 |
3.500 |
4.125 |
4.250 |
>$424K |
4.250 |
3.875 |
------ |
------ |
4.375 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.625 |
>$424K |
4.375 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.809 |
3.211 |
3.721 |
3.177 |
3.066 |
3.317 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
3.892 |
3.619 |
------ |
------ |
3.398 |
3.515 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
------ |
4.625 |
APR |
4.268 |
3.730 |
4.068 |
3.778 |
------ |
4.689 |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
------ |
------ |
3.625 |
3.625 |
Jumbo |
4.125 |
3.750 |
------ |
------ |
3.500 |
3.625 |
|
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 |
4.250 |
4.000 |
------ |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.750 |
3.125 |
3.000 |
3.250 |
APR |
3.861 |
3.154 |
3.688 |
3.115 |
3.025 |
3.276 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.500 |
APR |
3.883 |
3.603 |
------ |
------ |
3.389 |
3.506 |
|
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.375 |
3.375 |
APR |
3.878 |
3.594 |
------ |
------ |
3.364 |
3.388 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
4.375 |
4.500 |
APR |
4.246 |
3.673 |
4.023 |
3.694 |
4.403 |
4.523 |