******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | 3.250 | 2.875 | 3.250 | 2.875 | 2.875 | 3.000 |
>$484K | 3.375 | 3.000 | ------ | ------ | 3.250 | ------ |
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.500 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 3.000 | 3.125 | 3.250 |
>$484K | 3.625 | 3.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.173 | 2.802 | 3.165 | 2.799 | 2.759 | 2.884 |
|
>$484K | 3.250 | 2.875 | ------ | ------ | 3.125 | ------ |
APR | 3.282 | 2.933 | ------ | ------ | 3.167 | ------ |
|
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.726 | 3.548 | ------ | ------ | 3.892 | 3.912 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
APR | 3.549 | 3.213 | 3.541 | 3.227 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. 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 | 3.250 | 2.875 | 3.250 | 2.875 | 2.750 | 2.875 |
>$484K | 3.375 | 3.500 | ------ | ------ | 3.500 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 3.500 | 3.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.147 | 2.754 | 3.128 | 2.730 | 2.733 | 2.858 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.705 | 3.510 | ------ | ------ | 3.870 | 3.891 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
APR | 3.523 | 3.165 | 3.503 | 3.158 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. 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 | 3.250 | 2.875 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 3.500 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.375 | 3.000 | ------ | ------ |
>$484K | 3.625 | 3.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.140 | 2.760 | 3.133 | 2.738 | 2.736 | 2.861 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.707 | 3.514 | ------ | ------ | 3.873 | 3.893 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
APR | 3.516 | 3.171 | 3.508 | 3.166 | ------ | ------ |
|
******************************* 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 | 3.375 | 3.000 | 3.250 | 3.000 | ------ | ------ |
>$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.500 | 3.625 | 3.750 | ------ | ------ |
>$484K | 3.875 | 3.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.149 | 2.776 | 3.146 | 2.763 | 2.764 | 2.889 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.145 | 3.846 | ------ | ------ | 3.890 | 4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.125 | 3.375 | 3.000 | ------ | ------ |
APR | 3.430 | 3.188 | 3.438 | 3.144 | ------ | ------ |
|
******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $650K. 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 | 3.250 | 2.875 | 3.250 | 2.875 | 2.875 | 3.000 |
>$484K | 3.500 | 3.500 | ------ | ------ | 3.500 | ------ |
|
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 | 3.250 | 2.875 | 3.125 | 2.875 | 2.750 | 2.875 |
APR | 3.198 | 2.817 | 3.150 | 2.765 | 2.748 | 2.873 |
|
>$484K | 3.750 | 3.625 | ------ | ------ | 3.875 | 4.000 |
APR | 3.712 | 3.611 | ------ | ------ | 3.888 | 4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.500 | 3.250 | ------ | ------ |
APR | 3.633 | 3.282 | 3.525 | 3.270 | ------ | ------ |
|
******************************* 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 | 3.375 | 3.125 | 3.375 | 3.000 | ------ | ------ |
>$484K | 3.750 | 3.625 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.250 | 3.625 | 3.250 | ------ | ------ |
>$484K | 4.000 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.158 | 2.792 | 3.158 | 2.785 | 2.763 | 2.888 |
|
>$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 |
APR | 4.148 | 3.851 | ------ | ------ | 3.893 | 4.263 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.375 | 3.125 | ------ | ------ |
APR | 3.534 | 3.203 | 3.450 | 3.213 | ------ | ------ |
|
******************************* 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 | 3.375 | 3.125 | 3.375 | 3.000 | ------ | ------ |
>$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
>$484K | 4.000 | 3.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.172 | 2.817 | 3.177 | 2.821 | 2.776 | 2.902 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.716 | 3.531 | ------ | ------ | 3.882 | 3.903 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.375 | 3.125 | ------ | ------ |
APR | 3.548 | 3.229 | 3.470 | 3.250 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. 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 | 3.250 | 2.875 | 3.250 | 2.875 | 2.750 | 2.875 |
>$484K | 3.375 | 3.250 | ------ | ------ | 3.500 | ------ |
Jumbo | 3.750 | 3.750 | ------ | ------ | 3.625 | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.375 | 3.000 | 3.250 | 2.875 | 3.000 | 3.125 |
>$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.125 | 2.750 | 3.125 | 2.750 | 2.750 | 2.875 |
APR | 3.147 | 2.753 | 3.128 | 2.729 | 2.733 | 2.858 |
|
>$484K | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.704 | 3.509 | ------ | ------ | 3.870 | 3.891 |
|
Jumbo | 3.750 | 3.500 | ------ | ------ | 3.875 | 3.875 |
APR | 3.699 | 3.500 | ------ | ------ | 3.865 | 3.885 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.125 | 3.500 | 3.125 | ------ | ------ |
APR | 3.522 | 3.165 | 3.503 | 3.156 | ------ | ------ |