******************************* CALIFORNIA *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.125 |
3.375 |
3.875 |
3.375 |
3.750 |
3.750 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
3.990 |
4.250 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.791 |
3.169 |
3.660 |
3.116 |
2.928 |
3.169 |
|
>$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
APR |
3.982 |
3.300 |
3.756 |
3.280 |
3.295 |
3.544 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.887 |
3.647 |
4.276 |
------ |
3.409 |
3.520 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.182 |
3.688 |
4.035 |
3.716 |
3.662 |
3.912 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.760 |
3.119 |
3.615 |
3.043 |
2.901 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.863 |
3.604 |
4.242 |
------ |
3.390 |
3.496 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.153 |
3.637 |
3.995 |
3.642 |
3.634 |
3.884 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
3.250 |
3.500 |
>$424K |
4.125 |
3.875 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.500 |
3.875 |
3.500 |
3.875 |
4.125 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.758 |
3.125 |
3.620 |
3.053 |
2.904 |
3.145 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.866 |
3.608 |
4.246 |
------ |
3.393 |
3.499 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.146 |
3.644 |
4.000 |
3.652 |
3.637 |
3.888 |
|
******************************* 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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
4.500 |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
4.875 |
>$424K |
4.250 |
4.250 |
4.500 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
2.875 |
3.125 |
APR |
3.765 |
3.081 |
3.578 |
3.065 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.879 |
3.648 |
4.247 |
------ |
3.389 |
3.495 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
3.625 |
3.875 |
APR |
4.151 |
3.582 |
3.954 |
3.619 |
3.683 |
3.933 |
|
******************************* 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 |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.000 |
3.750 |
------ |
------ |
>$424K |
4.375 |
4.500 |
4.875 |
------ |
4.500 |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.774 |
3.096 |
3.644 |
3.088 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.883 |
3.652 |
4.247 |
------ |
3.394 |
3.499 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.875 |
APR |
4.160 |
3.598 |
4.019 |
3.642 |
3.683 |
3.934 |
|
******************************* 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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.875 |
4.125 |
>$424K |
4.250 |
3.875 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
4.375 |
4.375 |
>$424K |
4.250 |
4.250 |
4.625 |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.788 |
3.122 |
3.664 |
3.124 |
2.941 |
3.182 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.872 |
3.619 |
4.255 |
------ |
3.399 |
3.505 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
3.625 |
3.875 |
APR |
4.175 |
3.623 |
4.039 |
3.679 |
3.698 |
3.949 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, 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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.125 |
3.375 |
>$424K |
4.000 |
3.750 |
4.375 |
------ |
3.625 |
3.625 |
Jumbo |
4.000 |
3.750 |
4.375 |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.375 |
3.750 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.750 |
3.125 |
3.625 |
3.000 |
2.875 |
3.125 |
APR |
3.753 |
3.118 |
3.609 |
3.042 |
2.900 |
3.141 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.863 |
3.603 |
4.242 |
------ |
3.390 |
3.496 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.375 |
APR |
3.854 |
3.600 |
4.234 |
------ |
3.365 |
3.380 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.152 |
3.636 |
3.994 |
3.641 |
3.633 |
3.883 |