******************************* 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 |
3.375 |
3.750 |
3.375 |
3.125 |
3.375 |
>$424K |
4.125 |
3.625 |
3.875 |
------ |
3.875 |
4.125 |
Jumbo |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
4.750 |
4.250 |
>$424K |
4.450 |
4.250 |
4.450 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.806 |
3.276 |
3.688 |
3.268 |
3.034 |
3.179 |
|
>$424K |
3.950 |
3.500 |
3.875 |
------ |
3.375 |
3.875 |
APR |
3.974 |
3.529 |
3.882 |
------ |
3.421 |
3.910 |
|
Jumbo |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.908 |
3.790 |
4.401 |
------ |
3.532 |
3.668 |
|
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 |
3.750 |
4.000 |
APR |
4.276 |
3.850 |
4.049 |
3.895 |
3.787 |
4.038 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.125 |
3.375 |
>$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 |
4.000 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.777 |
3.226 |
3.648 |
3.195 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.884 |
3.747 |
4.367 |
------ |
3.508 |
3.644 |
|
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 |
3.750 |
4.000 |
APR |
4.246 |
3.799 |
4.009 |
3.820 |
3.759 |
4.009 |
|
******************************* 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 |
3.500 |
3.750 |
3.500 |
3.375 |
3.625 |
>$424K |
4.250 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
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 |
4.125 |
4.250 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.771 |
3.232 |
3.654 |
3.204 |
3.010 |
3.155 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.886 |
3.752 |
4.371 |
------ |
3.511 |
3.646 |
|
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 |
3.750 |
4.000 |
APR |
4.157 |
3.806 |
4.015 |
3.830 |
3.763 |
4.013 |
|
******************************* 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 |
------ |
5.000 |
>$424K |
4.375 |
4.375 |
4.625 |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
4.125 |
4.125 |
4.250 |
------ |
5.000 |
>$424K |
4.500 |
4.375 |
4.625 |
------ |
4.125 |
4.250 |
|
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 |
3.775 |
3.224 |
3.660 |
3.216 |
3.034 |
3.179 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.234 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
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 |
3.750 |
4.000 |
APR |
4.161 |
3.814 |
4.021 |
3.843 |
3.808 |
4.059 |
|
******************************* 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 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
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 |
5.250 |
4.625 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.784 |
3.256 |
3.672 |
3.239 |
3.033 |
3.178 |
|
>$424K |
4.250 |
4.000 |
4.375 |
------ |
3.750 |
4.000 |
APR |
4.237 |
4.033 |
4.372 |
------ |
3.753 |
4.003 |
|
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 |
3.750 |
4.000 |
APR |
4.170 |
3.830 |
4.034 |
3.865 |
3.809 |
4.060 |
|
******************************* 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 |
3.625 |
3.875 |
3.625 |
------ |
5.000 |
>$424K |
4.250 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
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 |
------ |
5.000 |
>$424K |
5.000 |
4.375 |
4.750 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.799 |
3.281 |
3.692 |
3.276 |
3.047 |
3.192 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.892 |
3.763 |
4.380 |
------ |
3.517 |
3.652 |
|
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 |
3.750 |
4.000 |
APR |
4.185 |
3.856 |
4.054 |
3.903 |
3.823 |
4.074 |
|
******************************* 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 |
3.375 |
3.750 |
3.375 |
3.125 |
3.375 |
>$424K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
4.000 |
Jumbo |
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 |
4.000 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.375 |
4.125 |
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 |
3.250 |
3.625 |
3.125 |
3.000 |
3.125 |
APR |
3.770 |
3.225 |
3.650 |
3.193 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.883 |
3.746 |
4.367 |
------ |
3.508 |
3.643 |
|
Jumbo |
3.875 |
3.750 |
4.375 |
------ |
3.500 |
3.625 |
APR |
3.878 |
3.737 |
4.359 |
------ |
3.503 |
3.638 |
|
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 |
3.750 |
4.000 |
APR |
4.268 |
3.798 |
4.009 |
3.819 |
3.758 |
4.008 |