******************************* 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 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.375 |
3.875 |
------ |
3.750 |
3.875 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
3.875 |
3.990 |
>$424K |
4.450 |
3.990 |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.774 |
3.169 |
3.631 |
3.116 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.250 |
3.750 |
------ |
3.250 |
3.625 |
APR |
3.921 |
3.315 |
3.801 |
------ |
3.295 |
3.649 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.867 |
3.571 |
4.276 |
------ |
3.406 |
3.518 |
|
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 |
3.750 |
APR |
4.171 |
3.688 |
4.006 |
3.716 |
3.662 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.743 |
3.119 |
3.592 |
3.043 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.843 |
3.533 |
4.242 |
------ |
3.393 |
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 |
3.625 |
3.750 |
APR |
4.142 |
3.637 |
3.966 |
3.642 |
3.634 |
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 |
3.250 |
3.250 |
3.500 |
>$424K |
4.125 |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.000 |
4.000 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.741 |
3.125 |
3.542 |
3.053 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.845 |
3.538 |
4.246 |
------ |
3.396 |
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 |
3.750 |
APR |
4.136 |
3.644 |
3.972 |
3.652 |
3.637 |
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 |
4.000 |
3.375 |
3.750 |
3.375 |
4.125 |
4.125 |
>$424K |
4.125 |
4.000 |
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 |
4.000 |
3.625 |
------ |
4.750 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
4.000 |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.681 |
3.081 |
3.563 |
3.065 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.877 |
3.636 |
4.247 |
------ |
3.506 |
3.515 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.057 |
3.582 |
3.939 |
3.619 |
3.683 |
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 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.764 |
3.096 |
3.576 |
3.088 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.500 |
APR |
3.879 |
3.641 |
4.247 |
------ |
3.509 |
3.518 |
|
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 |
3.625 |
3.750 |
APR |
4.149 |
3.598 |
3.952 |
3.642 |
3.683 |
3.809 |
|
******************************* 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 |
3.375 |
3.875 |
3.375 |
4.125 |
4.125 |
>$424K |
4.125 |
3.875 |
4.625 |
------ |
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 |
3.625 |
4.000 |
3.625 |
------ |
4.750 |
>$424K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
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 |
3.000 |
2.875 |
3.125 |
APR |
3.795 |
3.122 |
3.596 |
3.124 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.851 |
3.549 |
4.255 |
------ |
3.402 |
3.523 |
|
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 |
3.625 |
3.750 |
APR |
4.164 |
3.623 |
3.972 |
3.679 |
3.698 |
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 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.750 |
3.875 |
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 |
3.950 |
3.375 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
4.375 |
------ |
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 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.737 |
3.118 |
3.536 |
3.042 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.842 |
3.533 |
4.242 |
------ |
3.393 |
3.514 |
|
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.837 |
3.518 |
4.234 |
------ |
3.377 |
3.489 |
|
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 |
3.750 |
APR |
4.153 |
3.636 |
3.966 |
3.641 |
3.633 |
3.758 |