******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.750 | 3.125 | 3.750 | 3.000 | 3.500 | 3.625 |
>$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 4.625 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.250 | 3.750 | 3.750 |
>$484K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.665 | 3.016 | 3.568 | 2.997 | 3.404 | 3.509 |
|
>$484K | 3.750 | 3.125 | 3.750 | 3.125 | 3.625 | 4.375 |
APR | 3.773 | 3.158 | 3.784 | 3.187 | 3.668 | 4.419 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.038 | 3.512 | ------ | ------ | 3.516 | 3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.291 | 3.660 | 4.071 | 3.649 | ------ | ------ |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.750 | 3.000 | 3.750 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.125 | 3.750 | 3.750 |
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.638 | 2.968 | 3.531 | 2.928 | 3.377 | 3.482 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.016 | 3.474 | ------ | ------ | 3.495 | 3.620 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.263 | 3.611 | 4.032 | 3.579 | ------ | ------ |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.875 | 3.125 | 3.750 | 3.125 | 3.625 | 3.625 |
>$484K | 4.500 | 3.875 | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.625 |
>$484K | 5.000 | 4.125 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.631 | 2.974 | 3.535 | 2.936 | 3.381 | 3.485 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.018 | 3.478 | ------ | ------ | 3.498 | 3.623 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.152 | 3.617 | 4.037 | 3.587 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.250 | 3.875 | 3.250 | ------ | ------ |
>$484K | 5.000 | 4.000 | ------ | ------ | ------ | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.750 | 4.125 | 4.375 | 4.000 | ------ | ------ |
>$484K | 5.125 | 4.125 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.555 | 2.991 | 3.563 | 2.960 | 3.410 | 3.515 |
|
>$484K | 4.500 | 3.750 | ------ | ------ | 3.875 | 3.875 |
APR | 4.508 | 3.715 | ------ | ------ | 3.882 | 3.879 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.500 | ------ | ------ |
APR | 4.047 | 3.634 | 4.050 | 3.645 | ------ | ------ |
|
******************************* 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 | 3.750 | 3.000 | 3.625 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.875 | 3.875 |
|
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 | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.623 | 2.960 | 3.517 | 2.916 | 3.373 | 3.478 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.128 | 3.487 | ------ | ------ | 3.503 | 3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.143 | 3.603 | 4.025 | 3.566 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.625 | 4.000 | 3.500 | ------ | ------ |
>$484K | 5.250 | 4.250 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
>$484K | ------ | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.649 | 3.006 | 3.576 | 2.983 | 3.408 | 3.513 |
|
>$484K | 4.500 | 3.750 | ------ | ------ | 3.875 | 3.875 |
APR | 4.510 | 3.719 | ------ | ------ | 3.885 | 3.882 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.056 | 3.649 | 4.063 | 3.634 | ------ | ------ |
|
******************************* 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 | 4.000 | 3.375 | 3.875 | 3.375 | ------ | ------ |
>$484K | 4.500 | 4.000 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.625 | 4.000 | 3.625 | ------ | ------ |
>$484K | 5.125 | 4.250 | ------ | ------ | ------ | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.663 | 3.031 | 3.596 | 3.019 | 3.423 | 3.528 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.028 | 3.494 | ------ | ------ | 3.507 | 3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.070 | 3.675 | 4.083 | 3.671 | ------ | ------ |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, 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 |
<=$484K | 3.750 | 3.000 | 3.750 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.625 | ------ | ------ | 3.875 | 3.875 |
Jumbo | 4.250 | 3.625 | ------ | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.875 | 3.125 | 3.750 | 3.750 |
>$484K | 4.875 | 3.875 | ------ | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.625 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.637 | 2.968 | 3.530 | 2.927 | 3.377 | 3.482 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.016 | 3.473 | ------ | ------ | 3.495 | 3.620 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.010 | 3.463 | ------ | ------ | 3.490 | 3.615 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | ------ |
APR | 4.263 | 3.610 | 4.032 | 3.577 | ------ | ------ |