******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.500 |
3.875 |
3.625 |
3.750 |
3.750 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
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 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.125 |
4.000 |
4.250 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.803 |
3.223 |
3.674 |
3.215 |
3.034 |
3.179 |
|
>$424K |
3.950 |
3.375 |
3.750 |
3.250 |
3.375 |
3.625 |
APR |
3.979 |
3.405 |
3.768 |
3.350 |
3.421 |
3.652 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.887 |
3.665 |
4.276 |
------ |
3.409 |
3.518 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.875 |
APR |
4.265 |
3.813 |
4.049 |
3.841 |
3.662 |
3.912 |
|
******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.875 |
4.375 |
------ |
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 |
3.500 |
3.875 |
3.500 |
3.750 |
4.000 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.772 |
3.173 |
3.634 |
3.142 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.863 |
3.622 |
4.242 |
------ |
3.508 |
3.514 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.875 |
APR |
4.236 |
3.762 |
4.009 |
3.767 |
3.634 |
3.884 |
|
******************************* 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 |
3.950 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
>$424K |
4.250 |
3.875 |
4.500 |
------ |
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 |
3.625 |
3.875 |
3.625 |
4.000 |
4.125 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.770 |
3.180 |
3.641 |
3.152 |
3.010 |
3.155 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.866 |
3.627 |
4.246 |
------ |
3.510 |
3.517 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
3.625 |
3.875 |
APR |
4.157 |
3.769 |
4.015 |
3.777 |
3.637 |
3.888 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
4.000 |
3.875 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.875 |
------ |
4.875 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
4.000 |
4.125 |
|
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 |
3.125 |
APR |
3.775 |
3.188 |
3.646 |
3.144 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.883 |
3.751 |
4.247 |
------ |
3.508 |
3.513 |
|
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 |
3.625 |
3.875 |
APR |
4.161 |
3.707 |
4.021 |
3.744 |
3.683 |
3.933 |
|
******************************* 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 |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.875 |
4.125 |
3.875 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
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 |
3.125 |
3.000 |
3.125 |
APR |
3.784 |
3.203 |
3.658 |
3.186 |
3.033 |
3.178 |
|
>$424K |
3.875 |
3.750 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.888 |
3.755 |
4.247 |
------ |
3.511 |
3.517 |
|
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 |
3.625 |
3.875 |
APR |
4.170 |
3.723 |
4.034 |
3.767 |
3.683 |
3.934 |
|
******************************* 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 |
3.500 |
3.875 |
3.500 |
4.250 |
4.250 |
>$424K |
4.250 |
4.000 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.750 |
4.000 |
3.750 |
------ |
4.625 |
>$424K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.799 |
3.229 |
3.678 |
3.223 |
3.047 |
3.192 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.872 |
3.638 |
4.255 |
------ |
3.516 |
3.523 |
|
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 |
3.625 |
3.875 |
APR |
4.185 |
3.749 |
4.054 |
3.804 |
3.698 |
3.949 |
|
******************************* 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 |
3.250 |
3.750 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.875 |
4.375 |
------ |
3.750 |
3.750 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
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 |
3.500 |
3.875 |
3.500 |
3.750 |
4.000 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.766 |
3.172 |
3.635 |
3.141 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.863 |
3.621 |
4.242 |
------ |
3.507 |
3.514 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.858 |
3.613 |
4.234 |
------ |
3.380 |
3.489 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
3.625 |
3.875 |
APR |
4.252 |
3.761 |
4.009 |
3.766 |
3.633 |
3.883 |