******************************* CALIFORNIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, 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 |
<=$417K |
3.625 |
3.000 |
3.500 |
2.875 |
3.125 |
3.375 |
>$417K |
3.875 |
3.125 |
3.875 |
------ |
3.500 |
3.625 |
Jumbo |
3.875 |
3.625 |
4.125 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.125 |
3.625 |
3.000 |
3.625 |
3.625 |
>$417K |
4.300 |
3.750 |
4.125 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.500 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.553 |
2.919 |
3.426 |
2.813 |
2.918 |
3.159 |
|
>$417K |
3.750 |
3.000 |
3.750 |
------ |
3.125 |
3.375 |
APR |
3.765 |
3.079 |
3.771 |
------ |
3.173 |
3.393 |
|
Jumbo |
3.625 |
3.500 |
4.000 |
------ |
3.375 |
3.500 |
APR |
3.668 |
3.486 |
4.026 |
------ |
3.398 |
3.523 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.375 |
3.750 |
3.375 |
3.375 |
3.500 |
APR |
4.036 |
3.437 |
3.799 |
3.439 |
3.411 |
3.537 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K. 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 |
<=$417K |
3.625 |
3.000 |
3.500 |
2.875 |
3.125 |
3.375 |
>$417K |
3.875 |
3.625 |
4.125 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.125 |
3.625 |
3.000 |
3.500 |
3.625 |
>$417K |
4.375 |
3.750 |
4.125 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.601 |
2.869 |
3.384 |
2.741 |
2.891 |
3.131 |
|
>$417K |
3.625 |
3.500 |
4.000 |
------ |
3.375 |
3.500 |
APR |
3.644 |
3.443 |
3.993 |
------ |
3.375 |
3.500 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.375 |
3.750 |
3.375 |
3.375 |
3.500 |
APR |
4.007 |
3.387 |
3.759 |
3.366 |
3.384 |
3.509 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K. 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 |
<=$417K |
3.750 |
3.000 |
3.500 |
3.000 |
3.250 |
3.500 |
>$417K |
4.000 |
3.750 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.250 |
3.625 |
3.125 |
3.750 |
3.750 |
>$417K |
4.375 |
4.000 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.500 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.530 |
2.875 |
3.381 |
2.751 |
2.895 |
3.135 |
|
>$417K |
3.625 |
3.500 |
4.000 |
------ |
3.375 |
3.500 |
APR |
3.646 |
3.447 |
3.996 |
------ |
3.377 |
3.502 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.375 |
3.750 |
3.375 |
3.375 |
3.500 |
APR |
4.000 |
3.394 |
3.765 |
3.376 |
3.387 |
3.512 |
|
******************************* 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 |
<=$417K |
3.750 |
3.125 |
3.625 |
3.000 |
3.750 |
3.750 |
>$417K |
4.375 |
4.000 |
4.250 |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.500 |
3.875 |
3.500 |
4.125 |
3.990 |
>$417K |
4.500 |
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 |
<=$417K |
3.500 |
2.750 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.535 |
2.830 |
3.418 |
2.763 |
2.919 |
3.159 |
|
>$417K |
4.000 |
3.625 |
4.000 |
------ |
3.375 |
3.500 |
APR |
4.006 |
3.657 |
3.997 |
------ |
3.378 |
3.503 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.250 |
3.750 |
3.125 |
3.375 |
3.500 |
APR |
3.921 |
3.350 |
3.771 |
3.243 |
3.432 |
3.557 |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, High-Balance 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 |
<=$417K |
3.875 |
3.250 |
3.750 |
3.125 |
4.125 |
3.990 |
>$417K |
4.875 |
4.250 |
4.625 |
------ |
4.250 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.500 |
3.875 |
3.375 |
------ |
4.375 |
>$417K |
4.875 |
4.250 |
4.625 |
------ |
4.250 |
4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.500 |
2.750 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.544 |
2.846 |
3.432 |
2.785 |
2.917 |
3.158 |
|
>$417K |
4.000 |
3.625 |
4.000 |
------ |
3.375 |
3.500 |
APR |
4.005 |
3.658 |
3.997 |
------ |
3.378 |
3.503 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.375 |
3.750 |
3.125 |
3.375 |
3.500 |
APR |
3.930 |
3.418 |
3.783 |
3.266 |
3.432 |
3.558 |