******************************* CALIFORNIA *******************************
(Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K |
3.000 |
2.375 |
2.875 |
2.250 |
------ |
------ |
$650K |
------ |
2.500 |
------ |
------ |
------ |
------ |
Jumbo |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.500 |
2.375 |
3.250 |
2.375 |
------ |
------ |
$650K |
----- |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.794 |
2.235 |
2.786 |
2.166 |
------ |
------ |
|
$650K |
3.000 |
2.375 |
------ |
------ |
------ |
------ |
APR |
3.056 |
2.397 |
------ |
------ |
------ |
------ |
|
Jumbo |
3.500 |
------ |
------ |
------ |
------ |
------ |
APR |
3.537 |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.331 |
2.853 |
3.312 |
2.808 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $510K, 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 |
$510K |
3.000 |
2.375 |
2.875 |
2.250 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.500 |
2.500 |
3.250 |
2.375 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.769 |
2.246 |
2.753 |
2.130 |
------ |
------ |
|
$650K |
3.500 |
------ |
------ |
------ |
------ |
------ |
APR |
3.516 |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.337 |
2.878 |
3.322 |
2.823 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $510K, 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 |
$510K |
3.250 |
2.375 |
3.125 |
2.250 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
------ |
2.500 |
3.625 |
2.375 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.763 |
2.258 |
2.754 |
2.132 |
------ |
------ |
|
$650K |
3.500 |
------ |
------ |
------ |
------ |
------ |
APR |
3.518 |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.337 |
2.878 |
3.221 |
2.835 |
------ |
------ |
|
******************************* TEXAS *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K |
3.250 |
2.375 |
3.125 |
2.250 |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
------ |
------ |
------ |
------ |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
2.750 |
2.250 |
2.750 |
2.000 |
------ |
------ |
APR |
2.756 |
2.261 |
2.745 |
2.094 |
------ |
------ |
|
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
APR |
------ |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
3.250 |
2.875 |
3.250 |
2.750 |
------ |
------ |
APR |
3.351 |
2.952 |
3.310 |
2.845 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $510K, Jumbo Loan $900K. 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 |
$510K |
2.875 |
2.250 |
2.750 |
2.125 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.500 |
3.250 |
2.375 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.754 |
2.253 |
2.742 |
2.086 |
------ |
------ |
|
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
APR |
------ |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.333 |
2.882 |
3.306 |
2.833 |
------ |
------ |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K 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 |
$300K |
------ |
2.625 |
------ |
2.500 |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
------ |
------ |
------ |
------ |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.765 |
2.267 |
2.758 |
2.116 |
------ |
------ |
|
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
APR |
------ |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.347 |
2.931 |
3.313 |
2.821 |
------ |
------ |
|
******************************* GEORGIA *******************************
(Based on Conforming Loan $300K, Jumbo Loan $600K. 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 |
$300K |
3.375 |
2.500 |
3.250 |
2.375 |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
------ |
2.750 |
------ |
2.625 |
------ |
------ |
$600K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.774 |
2.261 |
2.771 |
2.140 |
------ |
------ |
|
$600K |
3.500 |
------ |
------ |
------ |
------ |
------ |
APR |
3.521 |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$300K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.348 |
2.932 |
3.315 |
2.823 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $510K, High-Balance Loan $650K, Jumbo Loan $900K. 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 |
$510K |
3.000 |
2.375 |
2.875 |
2.250 |
------ |
------ |
$650K |
------ |
2.500 |
------ |
------ |
------ |
------ |
Jumbo |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.500 |
2.500 |
3.250 |
2.375 |
------ |
------ |
$650K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
2.750 |
2.250 |
2.750 |
2.125 |
------ |
------ |
APR |
2.769 |
2.258 |
2.752 |
2.123 |
------ |
------ |
|
$650K |
3.500 |
------ |
------ |
------ |
------ |
------ |
APR |
3.515 |
------ |
------ |
------ |
------ |
------ |
|
Jumbo |
3.500 |
|
|
|
|
|
|
3.510 |
------ |
------ |
------ |
------ |
------ |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
$510K |
3.250 |
2.750 |
3.250 |
2.750 |
------ |
------ |
APR |
3.330 |
2.833 |
3.310 |
2.805 |
------ |
------ |