******************************* 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 |
3.625 |
2.875 |
3.125 |
3.375 |
>$424K |
3.950 |
3.250 |
3.875 |
------ |
3.625 |
3.750 |
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.125 |
3.875 |
3.875 |
>$424K |
4.375 |
3.750 |
4.250 |
------ |
------ |
4.500 |
|
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 |
3.660 |
2.955 |
3.520 |
2.866 |
2.928 |
3.169 |
|
>$424K |
3.750 |
3.125 |
3.750 |
------ |
3.250 |
3.500 |
APR |
3.798 |
3.180 |
3.801 |
------ |
3.295 |
3.516 |
|
Jumbo |
3.750 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.781 |
3.401 |
------ |
------ |
3.154 |
3.262 |
|
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 |
4.125 |
3.990 |
APR |
4.057 |
3.456 |
3.924 |
3.466 |
4.184 |
4.046 |
|
******************************* 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 |
3.625 |
2.875 |
3.125 |
3.375 |
>$424K |
4.000 |
3.625 |
------ |
------ |
3.500 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.125 |
3.750 |
3.750 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
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 |
3.632 |
2.905 |
3.478 |
2.793 |
2.901 |
3.141 |
|
>$424K |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.759 |
3.395 |
------ |
------ |
3.247 |
3.259 |
|
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 |
4.125 |
3.990 |
APR |
4.028 |
3.405 |
3.884 |
3.392 |
4.144 |
4.007 |
|
******************************* 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 |
------ |
------ |
------ |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.250 |
3.750 |
3.125 |
4.000 |
3.875 |
>$424K |
4.125 |
3.875 |
------ |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.750 |
2.875 |
3.125 |
APR |
3.625 |
2.911 |
3.483 |
2.803 |
2.904 |
3.145 |
|
>$424K |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.761 |
3.399 |
------ |
------ |
3.250 |
3.261 |
|
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 |
4.125 |
3.990 |
APR |
4.021 |
3.412 |
3.890 |
3.402 |
4.148 |
4.011 |
|
******************************* 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 |
3.250 |
3.625 |
3.125 |
4.000 |
3.990 |
>$424K |
4.125 |
3.750 |
------ |
------ |
------ |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
4.250 |
>$424K |
4.125 |
3.875 |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.750 |
2.875 |
3.125 |
APR |
3.630 |
2.919 |
3.493 |
2.815 |
2.928 |
3.169 |
|
>$424K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.861 |
3.396 |
------ |
------ |
3.248 |
3.260 |
|
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 |
4.125 |
3.990 |
APR |
4.026 |
3.420 |
3.828 |
3.395 |
4.185 |
4.048 |
|
******************************* 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 |
------ |
4.250 |
>$424K |
4.250 |
4.000 |
------ |
------ |
------ |
4.000 |
|
PRIMARY RESIDENCE - CASH-OUT 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 |
4.125 |
------ |
------ |
------ |
------ |
|
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 |
3.639 |
2.935 |
3.505 |
2.837 |
2.927 |
3.168 |
|
>$424K |
3.875 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.863 |
3.400 |
------ |
------ |
3.250 |
3.262 |
|
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 |
------ |
3.990 |
APR |
4.035 |
3.436 |
3.909 |
3.437 |
------ |
4.054 |
|
******************************* 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 |
------ |
------ |
------ |
3.750 |
|
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 |
------ |
4.375 |
>$424K |
4.250 |
3.875 |
------ |
------ |
------ |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.750 |
2.875 |
3.125 |
APR |
3.653 |
2.960 |
3.525 |
2.874 |
2.941 |
3.182 |
|
>$424K |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.767 |
3.411 |
------ |
------ |
3.256 |
3.268 |
|
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 |
------ |
4.125 |
APR |
4.049 |
3.461 |
3.929 |
3.474 |
------ |
4.181 |
|
******************************* 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 |
4.000 |
3.625 |
------ |
------ |
3.500 |
3.500 |
Jumbo |
3.875 |
3.500 |
------ |
------ |
3.375 |
3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.625 |
3.125 |
3.750 |
3.750 |
>$424K |
4.000 |
3.750 |
------ |
------ |
3.625 |
3.625 |
|
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 |
3.631 |
2.904 |
3.472 |
2.792 |
2.900 |
3.141 |
|
>$424K |
3.750 |
3.375 |
------ |
------ |
3.250 |
3.250 |
APR |
3.758 |
3.394 |
------ |
------ |
3.247 |
3.259 |
|
Jumbo |
3.750 |
3.375 |
------ |
------ |
3.125 |
3.250 |
APR |
3.752 |
3.349 |
------ |
------ |
3.126 |
3.234 |
|
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 |
4.125 |
3.990 |
APR |
4.027 |
3.404 |
3.886 |
3.391 |
4.143 |
4.007 |