*************** CALIFORNIA ************* (Based on Conforming Loan $453K, 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 |
<=$453K | 5.000 | 4.375 | 4.875 | 4.375 | ------ | ------ |
>$453K | 5.000 | 4.500 | ------ | ------ | 4.375 | ------ |
Jumbo | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.125 | 4.625 | 5.000 | 4.625 | ------ | ------ |
>$453K | 5.125 | 4.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.875 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.884 | 4.215 | 4.696 | 4.255 | 4.290 | 4.405 |
|
>$453K | 5.000 | 4.375 | ------ | ------ | 4.250 | ------ |
APR | 5.000 | 4.430 | ------ | ------ | 4.281 | ------ |
|
Jumbo | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 5.007 | 4.693 | ------ | ------ | 4.288 | 4.403 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.293 | ------ | 5.198 | ------ | ------ | ------ |
|
************* MARYLAND ************* (Based on Conforming Loan $453K, 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 |
<=$453K | 4.875 | 4.375 | 4.875 | 4.375 | 4.375 | 4.500 |
>$453K | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.000 | 4.625 | 5.000 | 4.625 | ------ | ------ |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.875 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.854 | 4.163 | 4.655 | 4.180 | 4.261 | 4.376 |
|
>$453K | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 4.981 | 4.648 | ------ | ------ | 4.263 | 4.377 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.262 | ------ | 5.156 | ------ | ------ | ------ |
|
************* VIRGINIA ************* (Based on Conforming Loan $453K, 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 |
<=$453K | 5.000 | 4.500 | 4.875 | 4.500 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.125 | 4.750 | 5.000 | 4.750 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.776 | 4.170 | 4.661 | 4.190 | 4.265 | 4.379 |
|
>$453K | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 4.983 | 4.653 | ------ | ------ | 4.266 | 4.380 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.255 | ------ | 5.161 | ------ | ------ | ------ |
|
********** 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 |
<=$453K | 5.000 | 4.625 | 5.000 | 4.625 | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.500 | 4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.500 | 5.125 | 5.625 | ------ | ------ | ------ |
>$453K | 5.250 | 4.875 | 5.000 | ------ | 4.625 | 4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.781 | 4.178 | 4.668 | 4.202 | 4.291 | 4.406 |
|
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.997 | 4.533 | 4.747 | ------ | 4.253 | 4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.260 | ------ | 5.168 | ------ | ------ | ------ |
|
********** 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 |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
>$453K | ------ | 5.125 | 5.375 | ------ | ------ | 5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.375 | ------ | 5.250 | ------ | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.791 | 4.194 | 4.680 | 4.225 | 4.289 | 4.404 |
|
>$453K | 5.000 | 4.500 | 4.750 | ------ | 4.250 | 4.375 |
APR | 4.998 | 4.534 | 4.747 | ------ | 4.253 | 4.378 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.269 | ------ | 5.181 | ------ | ------ | ------ |
|
*********** 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 |
<=$453K | 5.125 | 4.625 | 5.000 | 4.625 | ------ | ------ |
>$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
>$453K | 5.375 | 4.875 | 5.125 | ------ | 4.625 | 4.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.806 | 4.221 | 4.701 | 4.263 | 4.304 | 4.419 |
|
>$453K | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 4.990 | 4.664 | ------ | ------ | 4.272 | 4.387 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.285 | ------ | 5.202 | ------ | ------ | ------ |
|
*********** WASHINGTON *********** (Based on Conforming Loan $453K, 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 |
<=$453K | 4.875 | 4.375 | 4.875 | 4.375 | 4.375 | 4.500 |
>$453K | 5.125 | ------ | ------ | ------ | ------ | ------ |
Jumbo | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.000 | 4.625 | 5.000 | 4.625 | ------ | ------ |
>$453K | 5.125 | 4.625 | 4.875 | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.875 | 4.125 | 4.625 | 4.125 | 4.250 | 4.375 |
APR | 4.853 | 4.162 | 4.654 | 4.178 | 4.261 | 4.375 |
|
>$453K | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 4.980 | 4.647 | ------ | ------ | 4.263 | 4.377 |
|
Jumbo | 5.000 | 4.625 | ------ | ------ | 4.250 | 4.375 |
APR | 4.975 | 4.638 | ------ | ------ | 4.258 | 4.372 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 5.250 | ------ | 5.125 | ------ | ------ | ------ |
APR | 5.261 | ------ | 5.155 | ------ | ------ | ------ |