******************************* CALIFORNIA *******************************
(Based on Conforming Loan $484K, 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 |
<=$484K |
4.000 |
3.500 |
3.875 |
3.375 |
3.875 |
3.875 |
>$484K |
4.000 |
3.375 |
4.000 |
3.250 |
4.250 |
4.625 |
Jumbo |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.125 |
3.625 |
4.125 |
4.125 |
>$484K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.884 |
3.339 |
3.820 |
3.352 |
3.654 |
3.675 |
|
>$484K |
4.000 |
3.250 |
3.875 |
3.250 |
4.000 |
4.500 |
APR |
4.004 |
3.306 |
3.916 |
3.264 |
4.033 |
4.532 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.257 |
3.673 |
------ |
------ |
3.523 |
3.662 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
------ |
APR |
4.416 |
4.053 |
4.403 |
4.005 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $484K, 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 |
<=$484K |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.000 |
3.625 |
4.000 |
4.000 |
>$484K |
4.750 |
4.250 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.857 |
3.291 |
3.782 |
3.283 |
3.627 |
3.648 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.235 |
3.635 |
------ |
------ |
3.503 |
3.641 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
------ |
APR |
4.388 |
4.004 |
4.364 |
3.935 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $484K, 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 |
<=$484K |
4.000 |
3.625 |
4.000 |
3.500 |
3.875 |
4.000 |
>$484K |
4.500 |
4.000 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
4.625 |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.850 |
3.296 |
3.786 |
3.291 |
3.631 |
3.651 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.237 |
3.639 |
------ |
------ |
3.505 |
3.643 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
------ |
APR |
4.381 |
4.010 |
4.368 |
3.943 |
------ |
------ |
|
******************************* 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 |
<=$484K |
4.250 |
3.625 |
4.125 |
3.625 |
------ |
4.875 |
>$484K |
4.750 |
4.375 |
------ |
------ |
------ |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.125 |
4.375 |
4.000 |
------ |
------ |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.125 |
3.625 |
3.625 |
APR |
3.796 |
3.313 |
3.800 |
3.269 |
3.660 |
3.681 |
|
>$484K |
4.500 |
3.875 |
------ |
------ |
3.625 |
3.875 |
APR |
4.490 |
3.868 |
------ |
------ |
3.630 |
3.872 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.391 |
3.958 |
4.330 |
3.968 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $484K, Jumbo Loan $562K. 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 |
<=$484K |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.750 |
>$484K |
4.375 |
3.875 |
------ |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.842 |
3.282 |
3.775 |
3.270 |
3.623 |
3.643 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.625 |
3.750 |
APR |
4.242 |
3.648 |
------ |
------ |
3.628 |
3.742 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
4.875 |
APR |
4.373 |
3.996 |
4.357 |
3.922 |
------ |
4.895 |
|
******************************* 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 |
<=$484K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
>$484K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.125 |
4.375 |
4.000 |
------ |
------ |
>$484K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.805 |
3.329 |
3.812 |
3.338 |
3.659 |
3.679 |
|
>$484K |
4.500 |
3.875 |
------ |
------ |
3.625 |
3.875 |
APR |
4.492 |
3.872 |
------ |
------ |
3.633 |
3.874 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.400 |
3.974 |
4.395 |
3.991 |
------ |
------ |
|
******************************* 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 |
<=$484K |
4.250 |
3.750 |
4.250 |
3.750 |
------ |
4.875 |
>$484K |
4.625 |
4.125 |
------ |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
------ |
>$484K |
5.000 |
------ |
------ |
------ |
------ |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.819 |
3.354 |
3.832 |
3.375 |
3.673 |
3.694 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.247 |
3.656 |
------ |
------ |
3.527 |
3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.415 |
4.000 |
4.415 |
4.028 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $484K, 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 |
<=$484K |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
Jumbo |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.000 |
3.625 |
4.000 |
4.000 |
>$484K |
4.750 |
4.250 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.856 |
3.290 |
3.781 |
3.281 |
3.627 |
3.647 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.234 |
3.634 |
------ |
------ |
3.502 |
3.640 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.229 |
3.625 |
------ |
------ |
3.497 |
3.635 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
4.000 |
4.375 |
3.875 |
------ |
------ |
APR |
4.388 |
4.004 |
4.363 |
3.933 |
------ |
------ |