******************************* 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 |
3.375 |
4.125 |
------ |
------ |
4.375 |
Jumbo |
4.000 |
3.625 |
------ |
------ |
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 |
3.250 |
3.750 |
3.250 |
------ |
4.125 |
>$424K |
4.500 |
------ |
4.375 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.000 |
3.250 |
APR |
3.775 |
3.062 |
3.631 |
3.037 |
3.053 |
3.304 |
|
>$424K |
3.990 |
3.250 |
3.875 |
------ |
4.250 |
4.125 |
APR |
4.034 |
3.278 |
3.895 |
------ |
4.299 |
4.174 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.794 |
3.537 |
------ |
------ |
3.392 |
3.408 |
|
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 |
------ |
------ |
APR |
4.161 |
3.581 |
3.953 |
3.617 |
------ |
------ |
|
******************************* 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 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$424K |
4.000 |
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 |
4.125 |
3.500 |
4.000 |
3.250 |
------ |
4.000 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.875 |
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 |
------ |
------ |
3.375 |
3.500 |
APR |
3.872 |
3.530 |
------ |
------ |
3.388 |
3.503 |
|
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 |
------ |
------ |
APR |
4.132 |
3.530 |
3.913 |
3.544 |
------ |
------ |
|
******************************* 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 |
3.875 |
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 |
3.500 |
4.000 |
3.375 |
------ |
4.125 |
>$424K |
4.250 |
4.000 |
------ |
------ |
------ |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.867 |
3.181 |
3.648 |
3.054 |
3.405 |
3.521 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
3.875 |
3.535 |
------ |
------ |
3.391 |
3.505 |
|
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 |
4.278 |
3.778 |
4.169 |
3.790 |
------ |
------ |
|
******************************* 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 |
------ |
------ |
>$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 |
3.625 |
4.125 |
3.625 |
------ |
------ |
>$424K |
4.250 |
4.000 |
------ |
------ |
------ |
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 |
3.500 |
3.625 |
APR |
3.907 |
3.255 |
3.762 |
3.154 |
3.546 |
3.657 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
3.873 |
3.532 |
------ |
------ |
3.389 |
3.504 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.393 |
3.965 |
4.295 |
3.978 |
------ |
------ |
|
******************************* 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 |
3.750 |
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 |
3.500 |
3.625 |
APR |
3.913 |
3.266 |
3.771 |
3.170 |
3.552 |
3.664 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
3.875 |
3.536 |
------ |
------ |
3.391 |
3.506 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.399 |
3.977 |
4.304 |
3.995 |
------ |
------ |
|
******************************* 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 |
3.625 |
4.125 |
3.625 |
------ |
------ |
>$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 |
4.375 |
3.990 |
4.250 |
3.875 |
------ |
------ |
>$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 |
3.500 |
3.625 |
APR |
3.928 |
3.292 |
3.791 |
3.207 |
3.566 |
3.678 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
3.881 |
3.546 |
------ |
------ |
3.397 |
3.512 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.414 |
4.003 |
4.324 |
4.032 |
------ |
------ |
|
******************************* 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 |
3.625 |
3.750 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.750 |
3.750 |
Jumbo |
4.000 |
3.625 |
------ |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.375 |
3.875 |
3.250 |
------ |
4.000 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.625 |
3.250 |
3.375 |
3.500 |
APR |
3.863 |
3.173 |
3.642 |
3.043 |
3.401 |
3.517 |
|
>$424K |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.500 |
APR |
3.872 |
3.530 |
------ |
------ |
3.388 |
3.503 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.375 |
3.375 |
APR |
3.764 |
3.484 |
------ |
------ |
3.363 |
3.379 |
|
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 |
4.274 |
3.771 |
4.163 |
3.779 |
------ |
------ |