******************************* 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 |
3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
3.000 |
>$484K |
3.375 |
3.000 |
------ |
------ |
3.125 |
------ |
Jumbo |
3.750 |
3.625 |
------ |
------ |
3.750 |
------ |
|
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 |
3.375 |
>$484K |
3.750 |
3.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
3.009 |
2.712 |
2.985 |
2.669 |
2.749 |
2.884 |
|
>$484K |
3.125 |
2.750 |
------ |
------ |
3.000 |
------ |
APR |
3.167 |
2.826 |
------ |
------ |
3.022 |
------ |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.746 |
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 |
3.375 |
3.125 |
------ |
------ |
APR |
3.539 |
3.195 |
3.444 |
3.201 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, 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 |
3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
>$484K |
3.375 |
3.500 |
------ |
------ |
3.625 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.125 |
2.875 |
3.000 |
3.250 |
>$484K |
3.500 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.983 |
2.665 |
2.948 |
2.601 |
2.723 |
2.858 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.725 |
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 |
3.375 |
3.125 |
------ |
------ |
APR |
3.512 |
3.147 |
3.407 |
3.131 |
------ |
------ |
|
******************************* 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 |
3.125 |
2.750 |
3.125 |
2.750 |
2.875 |
3.125 |
>$484K |
3.375 |
3.375 |
------ |
------ |
------ |
------ |
|
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 |
3.750 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.976 |
2.671 |
2.952 |
2.609 |
2.726 |
2.861 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.727 |
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 |
3.375 |
3.125 |
------ |
------ |
APR |
3.506 |
3.153 |
3.411 |
3.139 |
------ |
------ |
|
******************************* 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 |
3.250 |
3.000 |
3.250 |
2.875 |
------ |
------ |
>$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 |
3.500 |
3.500 |
3.500 |
3.375 |
------ |
------ |
>$484K |
3.625 |
3.750 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.985 |
2.687 |
2.965 |
2.633 |
2.755 |
2.889 |
|
>$484K |
3.250 |
3.000 |
------ |
------ |
3.875 |
4.250 |
APR |
3.345 |
3.146 |
------ |
------ |
3.890 |
4.260 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.375 |
3.000 |
------ |
------ |
APR |
3.512 |
3.170 |
3.424 |
3.144 |
------ |
------ |
|
******************************* 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 |
3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
>$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 |
------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.969 |
2.657 |
2.942 |
2.589 |
2.719 |
2.853 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.732 |
3.523 |
------ |
------ |
3.878 |
3.992 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.500 |
3.125 |
3.375 |
3.125 |
------ |
------ |
APR |
3.498 |
3.139 |
3.400 |
3.119 |
------ |
------ |
|
******************************* 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 |
3.500 |
3.250 |
------ |
------ |
>$484K |
4.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.994 |
2.703 |
2.977 |
2.655 |
2.753 |
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 |
3.519 |
3.185 |
3.436 |
3.186 |
------ |
------ |
|
******************************* 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 |
3.000 |
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 |
3.375 |
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 |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
3.007 |
2.728 |
2.996 |
2.691 |
2.767 |
2.902 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.737 |
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 |
3.543 |
3.211 |
3.456 |
3.223 |
------ |
------ |
|
******************************* 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 |
3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
>$484K |
3.375 |
3.250 |
------ |
------ |
3.500 |
------ |
Jumbo |
3.625 |
3.625 |
------ |
------ |
3.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.250 |
2.875 |
3.125 |
2.875 |
3.000 |
3.250 |
>$484K |
3.625 |
3.500 |
------ |
------ |
3.625 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
2.982 |
2.665 |
2.947 |
2.600 |
2.723 |
2.858 |
|
>$484K |
3.500 |
3.250 |
------ |
------ |
3.875 |
3.875 |
APR |
3.55 |
3.309 |
------ |
------ |
3.870 |
3.891 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
3.875 |
APR |
3.719 |
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 |
3.375 |
3.125 |
------ |
------ |
APR |
3.512 |
3.147 |
3.406 |
3.130 |
------ |
------ |