******************************* 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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.500 |
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 |
3.875 |
4.000 |
>$424K |
4.125 |
4.000 |
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 |
3.000 |
3.125 |
APR |
3.804 |
3.187 |
3.688 |
3.143 |
3.034 |
3.179 |
|
>$424K |
3.990 |
3.250 |
3.750 |
3.250 |
3.375 |
3.500 |
APR |
4.027 |
3.304 |
3.773 |
3.285 |
3.421 |
3.539 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.898 |
3.658 |
4.276 |
------ |
3.412 |
3.515 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.279 |
3.706 |
4.049 |
3.743 |
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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.125 |
3.875 |
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 |
4.000 |
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 |
3.000 |
3.125 |
APR |
3.773 |
3.137 |
3.648 |
3.070 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.873 |
3.622 |
4.242 |
------ |
3.390 |
3.491 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.248 |
3.655 |
4.009 |
3.669 |
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 |
3.950 |
3.250 |
3.750 |
3.250 |
3.375 |
3.625 |
>$424K |
4.250 |
3.875 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
3.875 |
3.500 |
4.000 |
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 |
3.000 |
3.125 |
APR |
3.771 |
3.143 |
3.653 |
3.079 |
3.010 |
3.155 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.876 |
3.627 |
4.246 |
------ |
3.393 |
3.494 |
|
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 |
4.157 |
3.662 |
4.015 |
3.679 |
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 |
3.875 |
4.000 |
>$424K |
4.250 |
4.125 |
4.500 |
------ |
3.875 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
4.875 |
>$424K |
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 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.775 |
3.099 |
3.660 |
3.091 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.887 |
3.653 |
4.247 |
------ |
3.389 |
3.490 |
|
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 |
4.161 |
3.600 |
4.021 |
3.645 |
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 |
4.000 |
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 |
4.125 |
3.750 |
------ |
------ |
>$424K |
4.500 |
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 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.784 |
3.167 |
3.672 |
3.114 |
3.033 |
3.178 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.892 |
3.658 |
4.247 |
------ |
3.394 |
3.494 |
|
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 |
4.170 |
3.686 |
4.034 |
3.714 |
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 |
3.500 |
3.875 |
3.500 |
4.000 |
4.125 |
>$424K |
4.250 |
4.000 |
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 |
4.500 |
>$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 |
3.125 |
3.625 |
3.000 |
3.000 |
3.125 |
APR |
3.799 |
3.193 |
3.692 |
3.151 |
3.047 |
3.192 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.882 |
3.638 |
4.255 |
------ |
3.399 |
3.500 |
|
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 |
4.185 |
3.712 |
4.054 |
3.751 |
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 |
3.250 |
3.125 |
3.375 |
>$424K |
4.000 |
3.875 |
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 |
4.000 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$424K |
4.125 |
4.000 |
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 |
3.000 |
3.125 |
APR |
3.767 |
3.136 |
3.649 |
3.068 |
3.006 |
3.151 |
|
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.500 |
APR |
3.873 |
3.621 |
4.242 |
------ |
3.390 |
3.491 |
|
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.375 |
3.375 |
APR |
3.862 |
3.606 |
4.234 |
------ |
3.365 |
3.375 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.250 |
3.625 |
4.000 |
3.625 |
3.625 |
3.875 |
APR |
4.241 |
3.654 |
4.009 |
3.667 |
3.633 |
3.883 |