************** 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 | 4.375 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$453K | 4.500 | 4.125 | ------ | ------ | 4.125 | ------ |
Jumbo | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.625 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 4.750 | 4.125 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.250 | 3.625 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.384 | 3.802 | 4.195 | 3.825 | 4.040 | 4.176 |
|
>$453K | 4.375 | 3.875 | ------ | ------ | 4.000 | ------ |
APR | 4.500 | 3.948 | ------ | ------ | 4.031 | ------ |
|
Jumbo | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.757 | 4.030 | ------ | ------ | 3.912 | 4.027 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.500 | 4.625 | 4.500 | ------ | ------ |
APR | 4.803 | 4.591 | 4.682 | 4.630 | ------ | ------ |
|
********** 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 | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.375 |
>$453K | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$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 | 4.375 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.354 | 3.751 | 4.155 | 3.751 | 4.011 | 4.146 |
|
>$453K | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.731 | 3.986 | ------ | ------ | 3.888 | 4.002 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.500 | 4.625 | 4.500 | ------ | ------ |
APR | 4.772 | 4.538 | 4.641 | 4.555 | ------ | ------ |
|
*********** 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 | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$453K | 5.000 | 4.750 | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.275 | 3.758 | 4.160 | 3.761 | 4.015 | 4.150 |
|
>$453K | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.734 | 3.991 | ------ | ------ | 3.890 | 4.005 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.500 | 4.625 | 4.500 | ------ | ------ |
APR | 4.765 | 4.545 | 4.646 | 4.565 | ------ | ------ |
|
********** 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 | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$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 | 4.250 | 3.625 | 4.125 | 3.625 | 4.000 | 4.125 |
APR | 4.280 | 3.714 | 4.167 | 3.755 | 4.040 | 4.176 |
|
>$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 | 4.750 | 4.375 | 4.500 | 4.375 | ------ | ------ |
APR | 4.770 | 4.448 | 4.572 | 4.479 | ------ | ------ |
|
********** 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 | 4.750 | 4.375 | 4.500 | 4.375 | ------ | ------ |
>$453K | 5.625 | 5.125 | 5.375 | ------ | 5.125 | 5.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.875 | 4.625 | 4.750 | 4.625 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.289 | 3.782 | 4.179 | 3.796 | 4.039 | 4.175 |
|
>$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 | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
APR | 4.780 | 4.464 | 4.665 | 4.503 | ------ | ------ |
|
*********** 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 | 4.625 | 4.125 | 4.500 | 4.125 | ------ | ------ |
>$453K | 5.125 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
>$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 | 4.250 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.304 | 3.808 | 4.200 | 3.833 | 4.053 | 4.189 |
|
>$453K | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.740 | 4.002 | ------ | ------ | 3.897 | 4.011 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.375 | 4.625 | 4.375 | ------ | ------ |
APR | 4.795 | 4.490 | 4.686 | 4.541 | ------ | ------ |
|
********** 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 | 4.375 | 3.875 | 4.250 | 3.875 | 4.250 | 4.375 |
>$453K | 4.875 | 4.375 | ------ | ------ | 4.375 | 4.500 |
Jumbo | 4.875 | 4.250 | ------ | ------ | 4.250 | 4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.500 | 4.125 | 4.375 | 4.125 | ------ | ------ |
>$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 | 4.375 | 3.750 | 4.125 | 3.750 | 4.000 | 4.125 |
APR | 4.354 | 3.750 | 4.154 | 3.750 | 4.010 | 4.146 |
|
>$453K | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.731 | 3.985 | ------ | ------ | 3.887 | 4.002 |
|
Jumbo | 4.750 | 4.000 | ------ | ------ | 3.875 | 4.000 |
APR | 4.725 | 3.976 | ------ | ------ | 3.882 | 3.997 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$453K | 4.750 | 4.500 | 4.625 | 4.500 | ------ | ------ |
APR | 4.772 | 4.537 | 4.640 | 4.554 | ------ | ------ |