******************************* 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 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.250 | 3.875 | ------ | 3.500 | 3.750 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.375 | 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 | 3.750 | 3.250 | 3.625 | 3.875 |
>$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 | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.754 | 3.026 | 3.555 | 2.991 | 3.043 | 3.294 |
|
>$424K | 3.800 | 3.125 | 3.800 | ------ | 3.375 | 3.500 |
APR | 3.849 | 3.198 | 3.869 | ------ | 3.402 | 3.535 |
|
Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
APR | 3.781 | 3.431 | 4.151 | ------ | 3.269 | 3.288 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 |
APR | 4.140 | 3.544 | 3.939 | 3.564 | 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 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
|
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 | 3.250 | 3.500 | 3.750 |
>$424K | 4.000 | 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 | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.726 | 3.030 | 3.499 | 2.918 | 3.016 | 3.266 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.769 | 3.494 | 4.117 | ------ | 3.266 | 3.381 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 |
APR | 4.111 | 3.494 | 3.899 | 3.491 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.625 | 3.750 |
>$424K | 4.125 | 3.875 | 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 | 3.950 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 4.000 | 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 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.656 | 3.037 | 3.504 | 2.928 | 3.020 | 3.270 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.771 | 3.499 | 4.121 | ------ | 3.269 | 3.383 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 |
APR | 4.104 | 3.500 | 3.904 | 3.501 | 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 | 3.250 | 3.750 | 3.250 | 4.125 | 3.990 |
>$424K | 4.125 | 3.875 | 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 | 3.625 | 3.875 | 3.625 | ------ | 4.375 |
>$424K | 4.125 | 4.000 | 4.375 | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.660 | 2.955 | 3.535 | 2.940 | 3.044 | 3.295 |
|
>$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.861 | 3.496 | 4.122 | ------ | 3.267 | 3.381 |
|
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 | 4.047 | 3.457 | 3.911 | 3.493 | 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 | 3.875 | 3.375 | ------ | 4.375 |
>$424K | 4.250 | 4.125 | 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 | 4.000 | 3.500 | ------ | ------ |
>$424K | 4.375 | 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 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.669 | 2.971 | 3.539 | 2.962 | 3.043 | 3.293 |
|
>$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.863 | 3.500 | 4.122 | ------ | 3.269 | 3.384 |
|
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 | 4.056 | 3.472 | 3.923 | 3.516 | 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 | 4.000 | 3.250 | 3.750 | 3.250 | 4.125 | 4.125 |
>$424K | 4.125 | 3.875 | 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 | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.500 |
>$424K | 4.250 | 4.000 | 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 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.683 | 2.996 | 3.559 | 2.999 | 3.056 | 3.307 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.778 | 3.510 | 4.130 | ------ | 3.275 | 3.389 |
|
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 | 4.070 | 3.498 | 3.943 | 3.553 | 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 | 3.125 | 3.625 | 3.000 | 3.250 | 3.500 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
Jumbo | 3.875 | 3.625 | 4.250 | ------ | 3.375 | 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 | 3.750 | 3.250 | 3.500 | 3.750 |
>$424K | 4.000 | 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 | 3.750 | 2.990 | 3.500 | 2.875 | 3.000 | 3.250 |
APR | 3.735 | 3.029 | 3.504 | 2.917 | 3.016 | 3.266 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.768 | 3.494 | 4.117 | ------ | 3.266 | 3.380 |
|
Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
APR | 3.751 | 3.378 | 4.109 | ------ | 3.241 | 3.259 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | 3.375 | 3.625 |
APR | 4.110 | 3.493 | 3.903 | 3.489 | 3.383 | 3.633 |