******************************* 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 |
4.000 |
------ |
4.000 |
4.125 |
Jumbo |
4.125 |
3.750 |
------ |
------ |
3.750 |
3.750 |
|
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 |
4.125 |
4.125 |
>$424K |
4.625 |
------ |
4.250 |
------ |
------ |
------ |
|
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 |
3.043 |
3.294 |
|
>$424K |
4.000 |
3.375 |
3.875 |
------ |
3.625 |
3.750 |
APR |
4.047 |
3.403 |
3.935 |
------ |
3.665 |
3.786 |
|
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.898 |
3.647 |
------ |
------ |
3.520 |
3.532 |
|
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 |
------ |
------ |
APR |
4.276 |
3.706 |
4.064 |
3.743 |
------ |
------ |
|
******************************* 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 |
------ |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.000 |
>$424K |
4.250 |
4.125 |
------ |
------ |
4.000 |
4.000 |
|
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 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
3.873 |
3.604 |
------ |
------ |
3.517 |
3.630 |
|
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 |
3.655 |
4.024 |
3.669 |
------ |
4.529 |
|
******************************* 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 |
3.375 |
3.750 |
3.875 |
>$424K |
4.250 |
3.875 |
------ |
------ |
------ |
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 |
------ |
------ |
------ |
------ |
------ |
|
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 |
3.020 |
3.270 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.876 |
3.608 |
------ |
------ |
3.505 |
3.514 |
|
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 |
3.662 |
4.029 |
3.679 |
------ |
4.532 |
|
******************************* 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 |
|
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 |
3.875 |
------ |
------ |
>$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 |
3.786 |
3.170 |
3.689 |
3.118 |
3.044 |
3.295 |
|
>$424K |
4.000 |
3.750 |
------ |
------ |
3.500 |
3.500 |
APR |
4.005 |
3.747 |
------ |
------ |
3.501 |
3.510 |
|
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 |
4.172 |
3.670 |
4.036 |
3.691 |
4.421 |
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 |
3.043 |
3.293 |
|
>$424K |
4.000 |
3.750 |
------ |
------ |
3.500 |
3.500 |
APR |
4.009 |
3.752 |
------ |
------ |
3.506 |
3.515 |
|
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 |
------ |
4.625 |
APR |
4.181 |
3.686 |
4.048 |
3.714 |
------ |
4.679 |
|
******************************* 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 |
4.250 |
4.250 |
>$424K |
4.250 |
3.875 |
------ |
------ |
------ |
------ |
|
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 |
------ |
------ |
>$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 |
3.056 |
3.307 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
3.882 |
3.619 |
------ |
------ |
3.526 |
3.639 |
|
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 |
------ |
------ |
APR |
4.196 |
3.712 |
4.068 |
3.751 |
------ |
------ |
|
******************************* 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 |
------ |
------ |
3.875 |
3.875 |
Jumbo |
4.125 |
3.750 |
------ |
------ |
3.750 |
3.750 |
|
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 |
4.125 |
4.125 |
>$424K |
4.250 |
4.125 |
------ |
------ |
4.000 |
4.000 |
|
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 |
3.016 |
3.266 |
|
>$424K |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
3.873 |
3.603 |
------ |
------ |
3.517 |
3.630 |
|
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.500 |
3.500 |
APR |
3.868 |
3.594 |
------ |
------ |
3.491 |
3.503 |
|
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 |
3.654 |
4.023 |
3.667 |
------ |
4.528 |