******************************* 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 |
2.750 |
2.750 |
2.875 |
>$484K |
3.375 |
2.875 |
------ |
------ |
3.125 |
------ |
Jumbo |
3.750 |
3.625 |
------ |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.375 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
>$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 |
3.263 |
2.866 |
3.151 |
2.747 |
2.749 |
2.874 |
|
>$484K |
3.250 |
2.875 |
------ |
------ |
3.125 |
------ |
APR |
3.282 |
2.997 |
------ |
------ |
3.222 |
------ |
|
Jumbo |
3.875 |
3.625 |
------ |
------ |
3.875 |
3.875 |
APR |
3.996 |
3.730 |
------ |
------ |
3.987 |
3.992 |
|
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 |
3.649 |
3.277 |
3.641 |
3.275 |
------ |
------ |
|
******************************* 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 |
3.000 |
3.125 |
>$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 |
2.789 |
3.194 |
2.878 |
2.923 |
2.948 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.795 |
3.692 |
------ |
------ |
3.866 |
3.970 |
|
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 |
3.623 |
3.229 |
3.603 |
3.205 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.875 |
------ |
------ |
------ |
------ |
|
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 |
3.190 |
2.824 |
3.199 |
2.786 |
2.826 |
2.951 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.797 |
3.796 |
------ |
------ |
3.868 |
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 |
3.185 |
3.508 |
3.183 |
------ |
------ |
|
******************************* 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 |
2.875 |
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 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
3.180 |
2.841 |
3.096 |
2.780 |
2.795 |
2.980 |
|
>$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 |
3.625 |
3.125 |
3.375 |
3.000 |
------ |
------ |
APR |
3.630 |
3.152 |
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 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
>$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 |
3.199 |
2.820 |
3.168 |
2.696 |
2.769 |
2.894 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.802 |
3.505 |
------ |
------ |
3.857 |
3.878 |
|
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 |
3.608 |
3.321 |
3.697 |
3.393 |
------ |
------ |
|
******************************* 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 |
3.125 |
------ |
------ |
>$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 |
3.168 |
2.796 |
3.394 |
2.833 |
2.953 |
2.978 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.248 |
3.951 |
------ |
------ |
3.993 |
4.363 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.375 |
3.125 |
------ |
------ |
APR |
3.584 |
3.367 |
3.450 |
3.220 |
------ |
------ |
|
******************************* 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 |
3.182 |
2.791 |
3.183 |
2.789 |
2.697 |
2.922 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.756 |
3.553 |
------ |
------ |
3.878 |
3.982 |
|
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 |
3.193 |
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 |
------ |
------ |
3.625 |
------ |
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 |
2.875 |
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 |
3.157 |
2.758 |
3.164 |
2.697 |
2.753 |
2.878 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.714 |
3.591 |
------ |
------ |
3.796 |
3.890 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.750 |
3.875 |
APR |
3.689 |
3.582 |
------ |
------ |
3.860 |
3.895 |
|
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 |
3.189 |
3.553 |
3.154 |
------ |
------ |