******************************* 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 |
2.750 |
3.125 |
2.750 |
2.750 |
2.875 |
>$484K |
3.375 |
3.000 |
------ |
------ |
3.000 |
------ |
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 |
3.375 |
2.875 |
3.000 |
3.250 |
>$484K |
3.875 |
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 |
3.038 |
2.712 |
3.026 |
2.669 |
2.739 |
2.874 |
|
>$484K |
3.250 |
2.750 |
------ |
------ |
2.875 |
------ |
APR |
3.392 |
2.836 |
------ |
------ |
2.916 |
------ |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.767 |
3.548 |
------ |
------ |
3.902 |
4.017 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.685 |
3.225 |
3.555 |
3.201 |
------ |
------ |
|
******************************* 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 |
2.750 |
3.125 |
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 |
3.375 |
2.875 |
3.250 |
2.875 |
3.000 |
3.125 |
>$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 |
3.012 |
2.665 |
2.989 |
2.601 |
2.714 |
2.848 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.745 |
3.510 |
------ |
------ |
3.881 |
3.995 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.638 |
3.147 |
3.518 |
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 |
3.250 |
2.750 |
3.250 |
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 |
3.005 |
2.671 |
2.994 |
2.609 |
2.717 |
2.851 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.748 |
3.514 |
------ |
------ |
3.883 |
3.998 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.686 |
3.153 |
3.522 |
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 |
3.375 |
3.000 |
3.375 |
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 |
3.875 |
3.875 |
3.875 |
3.750 |
------ |
------ |
>$484K |
4.000 |
4.000 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.125 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
3.164 |
2.687 |
3.007 |
2.633 |
2.745 |
2.880 |
|
>$484K |
3.875 |
3.500 |
------ |
------ |
3.875 |
4.250 |
APR |
3.845 |
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 |
3.635 |
3.170 |
3.452 |
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 |
3.250 |
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 |
2.998 |
2.657 |
2.983 |
2.589 |
2.709 |
2.844 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.753 |
3.523 |
------ |
------ |
3.888 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.618 |
3.139 |
3.511 |
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 |
3.500 |
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 |
3.750 |
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 |
3.000 |
2.750 |
3.000 |
2.750 |
2.750 |
2.875 |
APR |
3.023 |
2.703 |
3.019 |
2.655 |
2.744 |
2.878 |
|
>$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 |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.644 |
3.185 |
3.547 |
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 |
3.500 |
3.125 |
------ |
------ |
>$484K |
3.875 |
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 |
3.037 |
2.728 |
3.038 |
2.691 |
2.757 |
2.892 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.757 |
3.531 |
------ |
------ |
3.892 |
4.007 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.658 |
3.211 |
3.567 |
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 |
3.125 |
2.750 |
2.750 |
2.875 |
>$484K |
3.375 |
3.250 |
------ |
------ |
3.625 |
------ |
Jumbo |
3.625 |
3.625 |
------ |
------ |
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 |
3.750 |
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 |
3.012 |
2.665 |
2.989 |
2.600 |
2.713 |
2.848 |
|
>$484K |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.745 |
3.509 |
------ |
------ |
3.880 |
3.995 |
|
Jumbo |
3.750 |
3.500 |
------ |
------ |
3.875 |
4.000 |
APR |
3.740 |
3.500 |
------ |
------ |
3.875 |
3.990 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.625 |
3.125 |
3.500 |
3.125 |
------ |
------ |
APR |
3.637 |
3.147 |
3.517 |
3.130 |
------ |
------ |