******************************* 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 |
3.750 |
3.000 |
3.500 |
2.875 |
3.125 |
3.375 |
>$424K |
3.950 |
3.250 |
3.950 |
------ |
3.500 |
3.625 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.625 |
3.000 |
3.625 |
3.750 |
>$424K |
4.375 |
3.750 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.750 |
2.875 |
3.125 |
APR |
3.650 |
2.937 |
3.506 |
2.866 |
2.928 |
3.169 |
|
>$424K |
3.750 |
3.125 |
3.750 |
------ |
3.250 |
3.375 |
APR |
3.792 |
3.161 |
3.808 |
------ |
3.286 |
3.412 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.773 |
3.504 |
4.151 |
------ |
3.398 |
3.648 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.046 |
3.456 |
3.896 |
3.466 |
3.411 |
3.662 |
|
******************************* 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 |
3.750 |
3.000 |
3.500 |
2.875 |
3.125 |
3.375 |
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.500 |
3.000 |
3.500 |
3.750 |
>$424K |
4.375 |
3.875 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.621 |
2.887 |
3.415 |
2.793 |
2.901 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.748 |
3.461 |
4.117 |
------ |
3.375 |
3.625 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.017 |
3.405 |
3.856 |
3.392 |
3.384 |
3.634 |
|
******************************* 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 |
3.750 |
3.125 |
3.625 |
3.000 |
3.250 |
3.500 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.750 |
3.875 |
>$424K |
4.500 |
4.125 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.615 |
2.893 |
3.418 |
2.803 |
2.904 |
3.145 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.751 |
3.465 |
4.121 |
------ |
3.377 |
3.627 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.011 |
3.412 |
3.861 |
3.402 |
3.387 |
3.637 |
|
******************************* 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 |
3.875 |
3.125 |
3.625 |
3.000 |
3.875 |
3.875 |
>$424K |
4.375 |
4.125 |
4.375 |
------ |
3.625 |
3.875 |
|
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 |
------ |
4.125 |
>$424K |
4.625 |
4.125 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.500 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.555 |
2.902 |
3.458 |
2.815 |
2.928 |
3.169 |
|
>$424K |
4.000 |
3.750 |
4.125 |
------ |
3.375 |
3.625 |
APR |
4.015 |
3.782 |
4.122 |
------ |
3.378 |
3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.250 |
3.375 |
3.625 |
APR |
4.015 |
3.420 |
3.814 |
3.395 |
3.432 |
3.683 |
|
******************************* 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 |
4.000 |
3.375 |
3.750 |
3.250 |
------ |
4.125 |
>$424K |
5.000 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
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 |
------ |
4.500 |
>$424K |
5.000 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.628 |
2.917 |
3.455 |
2.837 |
2.927 |
3.168 |
|
>$424K |
4.000 |
3.750 |
4.125 |
------ |
3.375 |
3.625 |
APR |
4.014 |
3.783 |
4.122 |
------ |
3.378 |
3.628 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
APR |
4.024 |
3.436 |
3.826 |
3.437 |
3.432 |
3.683 |
|
******************************* 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 |
3.875 |
3.250 |
3.750 |
3.125 |
4.000 |
3.990 |
>$424K |
4.125 |
3.750 |
4.500 |
------ |
3.750 |
3.875 |
|
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 |
------ |
4.250 |
>$424K |
4.500 |
4.125 |
4.500 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.643 |
2.942 |
3.474 |
2.874 |
2.941 |
3.182 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.757 |
3.476 |
4.130 |
------ |
3.384 |
3.634 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.750 |
3.375 |
3.375 |
3.625 |
APR |
4.039 |
3.461 |
3.847 |
3.474 |
3.447 |
3.698 |
|
******************************* 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 |
3.750 |
3.000 |
3.500 |
2.875 |
3.125 |
3.375 |
>$424K |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.750 |
Jumbo |
3.875 |
3.625 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.125 |
3.625 |
3.000 |
3.500 |
3.750 |
>$424K |
4.375 |
3.875 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.375 |
2.750 |
2.875 |
3.125 |
APR |
3.621 |
2.886 |
3.412 |
2.792 |
2.900 |
3.141 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.748 |
3.460 |
4.117 |
------ |
3.374 |
3.624 |
|
Jumbo |
3.750 |
3.500 |
4.125 |
------ |
3.375 |
3.625 |
APR |
3.743 |
3.451 |
4.109 |
------ |
3.369 |
3.619 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.017 |
3.404 |
3.865 |
3.391 |
3.383 |
3.633 |