******************************* 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 |
3.875 |
3.500 |
3.875 |
3.375 |
3.875 |
3.875 |
>$484K |
4.000 |
3.375 |
4.000 |
3.250 |
4.250 |
4.625 |
Jumbo |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.625 |
4.000 |
3.625 |
4.125 |
4.125 |
>$484K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
APR |
3.874 |
3.339 |
3.820 |
3.352 |
3.654 |
3.675 |
|
>$484K |
4.000 |
3.250 |
3.875 |
3.250 |
4.000 |
4.500 |
APR |
4.011 |
3.324 |
3.917 |
3.276 |
4.033 |
4.529 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.257 |
3.673 |
------ |
------ |
3.521 |
3.652 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.416 |
3.965 |
4.403 |
3.979 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
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 |
4.000 |
4.000 |
>$484K |
4.750 |
4.250 |
------ |
------ |
4.125 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
APR |
3.847 |
3.291 |
3.782 |
3.283 |
3.627 |
3.648 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.235 |
3.635 |
------ |
------ |
3.501 |
3.631 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.388 |
3.916 |
4.364 |
3.908 |
------ |
------ |
|
******************************* 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 |
4.000 |
3.625 |
3.875 |
3.500 |
3.875 |
4.000 |
>$484K |
4.500 |
4.000 |
------ |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.750 |
4.125 |
3.750 |
------ |
4.625 |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
APR |
3.840 |
3.296 |
3.786 |
3.291 |
3.631 |
3.651 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.237 |
3.639 |
------ |
------ |
3.503 |
3.633 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.381 |
3.922 |
4.368 |
3.916 |
------ |
------ |
|
******************************* 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 |
4.125 |
3.625 |
4.000 |
3.625 |
------ |
4.875 |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.125 |
4.375 |
4.000 |
------ |
------ |
>$484K |
4.875 |
4.500 |
------ |
------ |
------ |
4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.125 |
3.625 |
3.625 |
APR |
3.796 |
3.313 |
3.800 |
3.269 |
3.660 |
3.681 |
|
>$484K |
4.500 |
3.875 |
------ |
------ |
3.625 |
3.875 |
APR |
4.492 |
3.864 |
------ |
------ |
3.628 |
3.878 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.250 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.308 |
3.939 |
4.315 |
3.941 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.750 |
>$484K |
4.375 |
3.750 |
------ |
------ |
3.750 |
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 |
3.875 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.832 |
3.282 |
3.775 |
3.270 |
3.623 |
3.643 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.242 |
3.648 |
------ |
------ |
3.513 |
3.638 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
4.875 |
APR |
4.373 |
3.908 |
4.357 |
3.895 |
------ |
4.892 |
|
******************************* 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 |
4.250 |
3.875 |
4.250 |
3.875 |
------ |
------ |
>$484K |
5.000 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.500 |
4.000 |
4.375 |
4.000 |
------ |
------ |
>$484K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.805 |
3.329 |
3.812 |
3.338 |
3.659 |
3.679 |
|
>$484K |
4.500 |
3.875 |
------ |
------ |
3.625 |
3.875 |
APR |
4.495 |
3.868 |
------ |
------ |
3.631 |
3.880 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.400 |
3.955 |
4.328 |
3.964 |
------ |
------ |
|
******************************* 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 |
4.250 |
3.750 |
4.250 |
3.750 |
------ |
4.875 |
>$484K |
4.625 |
4.125 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
>$484K |
5.000 |
------ |
------ |
------ |
------ |
4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
APR |
3.819 |
3.354 |
3.832 |
3.375 |
3.673 |
3.694 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.247 |
3.656 |
------ |
------ |
3.517 |
3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.250 |
3.875 |
------ |
------ |
APR |
4.415 |
3.981 |
4.348 |
4.001 |
------ |
------ |
|
******************************* 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 |
3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
Jumbo |
4.375 |
3.875 |
------ |
------ |
3.750 |
3.875 |
|
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 |
4.000 |
4.000 |
>$484K |
4.750 |
4.125 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
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 |
APR |
3.846 |
3.290 |
3.781 |
3.281 |
3.627 |
3.647 |
|
>$484K |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.234 |
3.634 |
------ |
------ |
3.500 |
3.630 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.500 |
3.625 |
APR |
4.229 |
3.625 |
------ |
------ |
3.495 |
3.625 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$484K |
4.375 |
3.875 |
4.375 |
3.875 |
------ |
------ |
APR |
4.388 |
3.915 |
4.371 |
3.907 |
------ |
------ |