******************************* 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 | 3.625 | 3.125 | 3.625 | 3.125 | 3.500 | 3.625 |
>$484K | 3.875 | 3.125 | 3.625 | 3.125 | 3.875 | 4.375 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.539 | 3.034 | 3.405 | 3.023 | 3.404 | 3.509 |
|
>$484K | 3.750 | 3.125 | 3.375 | 3.000 | 3.625 | 4.250 |
APR | 3.779 | 3.139 | 3.426 | 3.099 | 3.668 | 4.286 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.027 | 3.530 | ------ | ------ | 3.527 | 3.642 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | 4.750 |
APR | 4.176 | 3.589 | 4.056 | 3.603 | ------ | 4.802 |
|
******************************* 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 | 3.625 | 3.125 | 3.625 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.750 | 3.250 | 3.750 | 3.750 |
>$484K | 4.750 | 3.875 | ------ | ------ | 4.250 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.512 | 2.986 | 3.368 | 2.954 | 3.377 | 3.482 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.006 | 3.492 | ------ | ------ | 3.506 | 3.620 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | 4.750 |
APR | 4.148 | 3.541 | 4.018 | 3.533 | ------ | 4.773 |
|
******************************* 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 | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.625 |
>$484K | 4.375 | 3.875 | ------ | ------ | 4.125 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.375 | 3.875 | 3.375 | 4.750 | 4.500 |
>$484K | 5.000 | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.506 | 2.992 | 3.372 | 2.962 | 3.381 | 3.485 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.008 | 3.496 | ------ | ------ | 3.508 | 3.623 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 4.000 | 3.500 | ------ | 4.750 |
APR | 4.026 | 3.547 | 4.022 | 3.541 | ------ | 4.776 |
|
******************************* 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 | ------ | 4.625 |
>$484K | 4.875 | 4.000 | ------ | ------ | ------ | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.875 | 4.125 | 4.375 | 4.000 | ------ | ------ |
>$484K | 5.000 | 4.125 | ------ | ------ | ------ | ------ |
|
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 | 3.515 | 3.009 | 3.507 | 2.986 | 3.410 | 3.515 |
|
>$484K | 4.375 | 3.750 | ------ | ------ | 4.000 | 4.000 |
APR | 4.381 | 3.722 | ------ | ------ | 3.984 | 4.020 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 4.000 | 3.375 | ------ | ------ |
APR | 4.036 | 3.564 | 4.036 | 3.520 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.000 | 3.375 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.750 | ------ | ------ | 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 | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.508 | 2.978 | 3.354 | 2.942 | 3.373 | 3.478 |
|
>$484K | 4.125 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.128 | 3.505 | ------ | ------ | 3.513 | 3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.143 | 3.532 | 4.025 | 3.520 | ------ | ------ |
|
******************************* 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 | 3.500 | 4.000 | 3.375 | ------ | ------ |
>$484K | 5.250 | 4.375 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.375 | 3.750 | 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 | 3.500 | 3.000 | 3.500 | 3.000 | 3.375 | 3.500 |
APR | 3.524 | 3.024 | 3.519 | 3.009 | 3.408 | 3.513 |
|
>$484K | 4.375 | 3.750 | ------ | ------ | 4.000 | 4.000 |
APR | 4.384 | 3.726 | ------ | ------ | 3.987 | 4.022 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.045 | 3.579 | 4.048 | 3.588 | ------ | ------ |
|
******************************* 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 | 3.875 | 3.375 | 3.875 | 3.375 | ------ | 4.750 |
>$484K | 4.500 | 4.125 | ------ | ------ | 4.250 | 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 | 4.000 | 3.500 | ------ | ------ |
>$484K | 5.125 | 4.250 | ------ | ------ | ------ | ------ |
|
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 | 3.538 | 3.049 | 3.539 | 3.046 | 3.423 | 3.528 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.018 | 3.513 | ------ | ------ | 3.517 | 3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.000 | 3.500 | 4.000 | 3.500 | ------ | ------ |
APR | 4.060 | 3.605 | 4.068 | 3.626 | ------ | ------ |
|
******************************* 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 | 3.625 | 3.125 | 3.625 | 3.000 | 3.500 | 3.500 |
>$484K | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.875 | 3.250 | 3.750 | 3.250 | 3.750 | 3.750 |
>$484K | 4.750 | 3.875 | ------ | ------ | 4.250 | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 3.500 | 3.000 | 3.375 | 3.000 | 3.375 | 3.500 |
APR | 3.512 | 2.986 | 3.367 | 2.953 | 3.377 | 3.482 |
|
>$484K | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.005 | 3.491 | ------ | ------ | 3.505 | 3.620 |
|
Jumbo | 4.000 | 3.500 | ------ | ------ | 3.500 | 3.625 |
APR | 4.000 | 3.482 | ------ | ------ | 3.500 | 3.615 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$484K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | 4.750 |
APR | 4.148 | 3.540 | 4.017 | 3.532 | ------ | 4.772 |