******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
3.875 |
4.000 |
>$453K |
4.300 |
3.875 |
4.300 |
------ |
4.125 |
4.250 |
Jumbo |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
4.250 |
4.375 |
>$453K |
4.750 |
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 |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.046 |
3.544 |
3.910 |
3.564 |
3.680 |
3.795 |
|
>$453K |
4.125 |
3.750 |
4.125 |
------ |
4.000 |
4.125 |
APR |
4.175 |
3.816 |
4.194 |
------ |
4.028 |
4.153 |
|
Jumbo |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.169 |
4.078 |
4.527 |
------ |
3.898 |
3.898 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.250 |
4.125 |
4.000 |
4.125 |
APR |
4.537 |
4.170 |
4.315 |
4.190 |
4.038 |
4.163 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
3.875 |
4.000 |
>$453K |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
4.125 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.017 |
3.494 |
3.870 |
3.491 |
3.652 |
3.767 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.144 |
4.034 |
4.492 |
------ |
3.873 |
3.873 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.250 |
4.125 |
4.000 |
4.125 |
APR |
4.507 |
4.119 |
4.274 |
4.116 |
4.009 |
4.134 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.250 |
3.750 |
4.000 |
3.750 |
4.375 |
4.250 |
>$453K |
4.625 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
4.375 |
4.375 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.011 |
3.500 |
3.875 |
3.501 |
3.656 |
3.771 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.147 |
4.039 |
4.496 |
------ |
3.876 |
3.876 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.250 |
4.125 |
4.000 |
4.125 |
APR |
4.500 |
4.125 |
4.279 |
4.126 |
4.013 |
4.138 |
|
******************************* 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 |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.375 |
4.375 |
------ |
------ |
5.125 |
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.015 |
3.457 |
3.882 |
3.493 |
3.681 |
3.796 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
APR |
4.747 |
4.158 |
4.497 |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.423 |
4.083 |
4.286 |
4.120 |
4.059 |
4.184 |
|
******************************* 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 |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.875 |
4.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.375 |
4.125 |
------ |
------ |
>$453K |
5.375 |
4.750 |
5.125 |
------ |
4.875 |
4.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.024 |
3.472 |
3.894 |
3.516 |
3.679 |
3.794 |
|
>$453K |
4.750 |
4.125 |
4.500 |
------ |
4.000 |
4.125 |
APR |
4.748 |
4.158 |
4.497 |
------ |
4.003 |
4.128 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
------ |
4.125 |
APR |
4.432 |
4.099 |
4.299 |
4.143 |
------ |
4.185 |
|
******************************* 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 |
<=$453K |
4.375 |
3.875 |
4.125 |
3.875 |
------ |
5.125 |
>$453K |
4.750 |
4.500 |
4.875 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.250 |
4.125 |
------ |
5.125 |
>$453K |
5.125 |
4.500 |
4.875 |
------ |
4.375 |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.375 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.039 |
3.498 |
3.914 |
3.553 |
3.694 |
3.809 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.153 |
4.050 |
4.505 |
------ |
3.882 |
3.882 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.375 |
4.000 |
4.250 |
4.000 |
4.000 |
4.125 |
APR |
4.447 |
4.125 |
4.319 |
4.181 |
4.074 |
4.200 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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 |
<=$453K |
4.125 |
3.625 |
4.000 |
3.625 |
3.875 |
4.000 |
>$453K |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
Jumbo |
4.375 |
4.250 |
4.625 |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.250 |
3.875 |
4.125 |
3.875 |
4.125 |
4.250 |
>$453K |
4.875 |
4.250 |
4.625 |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.000 |
3.500 |
3.875 |
3.500 |
3.625 |
3.750 |
APR |
4.017 |
3.493 |
3.869 |
3.489 |
3.651 |
3.766 |
|
>$453K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.144 |
4.033 |
4.492 |
------ |
3.873 |
3.873 |
|
Jumbo |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
3.875 |
APR |
4.139 |
4.024 |
4.484 |
------ |
3.868 |
3.868 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.500 |
4.125 |
4.250 |
4.125 |
4.000 |
4.125 |
APR |
4.526 |
4.118 |
4.273 |
4.114 |
4.008 |
4.133 |