******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$453K |
4.875 |
4.250 |
4.625 |
4.250 |
------ |
------ |
>$453K |
4.875 |
------ |
5.000 |
------ |
4.500 |
------ |
Jumbo |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.375 |
4.875 |
4.375 |
------ |
------ |
>$453K |
5.000 |
------ |
5.500 |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.759 |
4.178 |
4.556 |
4.201 |
4.301 |
4.416 |
|
>$453K |
4.750 |
4.250 |
4.750 |
------ |
4.250 |
------ |
APR |
4.791 |
4.305 |
4.806 |
------ |
4.292 |
------ |
|
Jumbo |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.882 |
4.799 |
------ |
------ |
4.288 |
4.403 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.168 |
4.964 |
5.057 |
------ |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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 |
<=$453K |
4.750 |
4.250 |
4.625 |
4.250 |
------ |
4.625 |
>$453K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.875 |
4.375 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.729 |
4.126 |
4.515 |
4.126 |
4.272 |
4.386 |
|
>$453K |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.856 |
4.754 |
------ |
------ |
4.263 |
4.377 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.137 |
4.892 |
5.016 |
------ |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K. 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 |
<=$453K |
4.875 |
4.375 |
4.750 |
4.375 |
------ |
------ |
>$453K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.500 |
4.875 |
4.500 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.651 |
4.133 |
4.521 |
4.136 |
4.275 |
4.390 |
|
>$453K |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.859 |
4.759 |
------ |
------ |
4.266 |
4.380 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.130 |
4.899 |
5.021 |
------ |
------ |
------ |
|
******************************* 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 |
<=$453K |
4.875 |
4.375 |
4.875 |
4.375 |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.500 |
4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.375 |
5.000 |
5.500 |
------ |
------ |
------ |
>$453K |
5.250 |
4.875 |
5.000 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.000 |
4.500 |
4.000 |
4.250 |
4.375 |
APR |
4.656 |
4.090 |
4.528 |
4.131 |
4.301 |
4.416 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.997 |
4.533 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.000 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.054 |
4.967 |
5.028 |
------ |
------ |
------ |
|
******************************* 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 |
<=$453K |
5.000 |
5.000 |
5.000 |
------ |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.250 |
------ |
5.125 |
------ |
------ |
------ |
>$453K |
5.625 |
5.125 |
5.375 |
------ |
5.125 |
5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.665 |
4.157 |
4.540 |
4.172 |
4.300 |
4.415 |
|
>$453K |
5.000 |
4.500 |
4.750 |
------ |
4.250 |
4.375 |
APR |
4.998 |
4.534 |
4.747 |
------ |
4.253 |
4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.144 |
4.978 |
5.041 |
------ |
------ |
------ |
|
******************************* 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 |
<=$453K |
5.000 |
4.500 |
4.875 |
4.500 |
------ |
------ |
>$453K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
5.125 |
5.000 |
------ |
------ |
------ |
>$453K |
5.375 |
4.875 |
5.125 |
------ |
4.625 |
4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.625 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.680 |
4.183 |
4.561 |
4.209 |
4.315 |
4.430 |
|
>$453K |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.865 |
4.771 |
------ |
------ |
4.272 |
4.387 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.160 |
5.008 |
5.062 |
------ |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, High-Balance Loan $636K, Jumbo Loan $750K. 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 |
<=$453K |
4.750 |
4.250 |
4.625 |
4.250 |
------ |
4.625 |
>$453K |
5.000 |
------ |
------ |
------ |
------ |
------ |
Jumbo |
5.000 |
------ |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.875 |
4.375 |
4.875 |
4.375 |
------ |
------ |
>$453K |
5.125 |
4.625 |
4.875 |
------ |
4.375 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
4.750 |
4.125 |
4.500 |
4.125 |
4.250 |
4.375 |
APR |
4.728 |
4.125 |
4.515 |
4.125 |
4.271 |
4.386 |
|
>$453K |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.855 |
4.754 |
------ |
------ |
4.263 |
4.377 |
|
Jumbo |
4.875 |
4.750 |
------ |
------ |
4.250 |
4.375 |
APR |
4.850 |
4.745 |
------ |
------ |
4.258 |
4.372 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$453K |
5.125 |
4.875 |
5.000 |
------ |
------ |
------ |
APR |
5.136 |
4.891 |
5.015 |
------ |
------ |
------ |