******************************* CALIFORNIA *******************************
(Based on Conforming Loan $450K, 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 |
4.000 |
3.500 |
3.750 |
3.250 |
4.375 |
4.250 |
>$484K |
3.875 |
3.250 |
3.875 |
3.250 |
------ |
------ |
Jumbo |
4.375 |
4.000 |
------ |
------ |
4.000 |
4.500 |
|
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 |
------ |
4.625 |
>$484K |
4.500 |
3.750 |
4.125 |
3.750 |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.625 |
3.250 |
4.125 |
4.000 |
APR |
3.799 |
3.308 |
3.673 |
3.254 |
4.169 |
4.039 |
|
>$484K |
3.750 |
3.125 |
3.750 |
3.125 |
4.625 |
4.125 |
APR |
3.792 |
3.170 |
3.723 |
3.205 |
4.670 |
4.161 |
|
Jumbo |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.143 |
3.889 |
------ |
------ |
3.893 |
4.269 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.625 |
4.000 |
4.250 |
3.750 |
------ |
------ |
APR |
4.670 |
4.058 |
4.316 |
3.880 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.500 |
3.750 |
3.250 |
4.375 |
4.250 |
>$484K |
4.375 |
4.125 |
------ |
------ |
4.000 |
4.500 |
|
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 |
------ |
4.625 |
>$484K |
4.625 |
4.250 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.625 |
3.250 |
4.125 |
4.000 |
APR |
3.772 |
3.260 |
3.636 |
3.184 |
4.141 |
4.012 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.121 |
3.851 |
------ |
------ |
3.871 |
4.247 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.625 |
4.000 |
4.250 |
3.750 |
------ |
------ |
APR |
4.641 |
4.009 |
4.278 |
3.810 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(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 |
4.125 |
3.500 |
3.875 |
3.500 |
4.625 |
4.500 |
>$484K |
4.500 |
4.250 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.625 |
4.125 |
3.625 |
------ |
------ |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.625 |
3.250 |
4.125 |
4.000 |
APR |
3.775 |
3.266 |
3.640 |
3.193 |
4.145 |
4.015 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.250 |
APR |
4.123 |
3.855 |
------ |
------ |
3.874 |
4.250 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.625 |
4.000 |
4.250 |
3.750 |
------ |
------ |
APR |
4.644 |
4.015 |
4.282 |
3.818 |
------ |
------ |
|
******************************* 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 |
4.625 |
3.875 |
4.125 |
3.750 |
------ |
------ |
>$484K |
4.750 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.625 |
4.000 |
4.250 |
3.875 |
------ |
------ |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
3.750 |
3.250 |
4.375 |
4.250 |
APR |
4.023 |
3.536 |
3.785 |
3.359 |
4.425 |
4.297 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
4.000 |
4.375 |
APR |
4.146 |
3.894 |
------ |
------ |
3.986 |
4.374 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.875 |
4.125 |
4.500 |
4.125 |
------ |
------ |
APR |
4.920 |
4.181 |
4.569 |
4.210 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, 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 |
3.875 |
3.375 |
3.750 |
3.250 |
4.250 |
4.125 |
>$484K |
4.500 |
4.250 |
------ |
------ |
4.375 |
------ |
|
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 |
3.875 |
3.250 |
3.625 |
3.250 |
4.125 |
4.000 |
APR |
3.863 |
3.263 |
3.635 |
3.189 |
4.131 |
4.003 |
|
>$484K |
4.375 |
4.000 |
------ |
------ |
4.000 |
4.375 |
APR |
4.368 |
4.010 |
------ |
------ |
4.000 |
4.389 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.625 |
4.000 |
4.250 |
3.875 |
------ |
------ |
APR |
4.640 |
4.013 |
4.277 |
3.904 |
------ |
------ |
|
******************************* 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 |
4.875 |
4.125 |
4.500 |
4.000 |
------ |
------ |
>$484K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
------ |
4.250 |
4.625 |
4.250 |
------ |
------ |
>$484K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
3.750 |
3.250 |
4.375 |
4.250 |
APR |
4.030 |
3.547 |
3.794 |
3.375 |
4.432 |
4.303 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
4.000 |
4.375 |
APR |
4.149 |
3.899 |
------ |
------ |
3.988 |
4.377 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.875 |
4.125 |
4.500 |
4.125 |
------ |
------ |
APR |
4.927 |
4.193 |
4.578 |
4.227 |
------ |
------ |
|
******************************* 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 |
4.625 |
4.000 |
4.250 |
3.750 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.875 |
4.125 |
4.625 |
4.125 |
------ |
------ |
>$484K |
5.000 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
3.750 |
3.250 |
4.375 |
4.250 |
APR |
4.045 |
3.573 |
3.814 |
3.413 |
4.447 |
4.318 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
4.000 |
4.375 |
APR |
4.154 |
3.909 |
------ |
------ |
3.994 |
4.383 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.875 |
4.125 |
4.500 |
4.125 |
------ |
------ |
APR |
4.942 |
4.219 |
4.599 |
4.265 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, 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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
>$484K |
4.375 |
4.125 |
------ |
------ |
4.000 |
4.250 |
Jumbo |
4.375 |
4.000 |
------ |
------ |
4.000 |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.000 |
3.500 |
3.875 |
3.375 |
3.875 |
3.875 |
>$484K |
4.625 |
4.250 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.125 |
3.625 |
3.125 |
3.375 |
3.500 |
APR |
3.742 |
3.129 |
3.635 |
3.104 |
3.397 |
3.502 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.121 |
3.850 |
------ |
------ |
3.871 |
4.005 |
|
Jumbo |
4.125 |
3.875 |
------ |
------ |
3.875 |
4.000 |
APR |
4.115 |
3.840 |
------ |
------ |
3.865 |
4.000 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.750 |
4.250 |
3.750 |
------ |
------ |
APR |
4.377 |
3.772 |
4.277 |
3.755 |
------ |
------ |