*********** CALIFORNIA ************ (Based on Conforming Loan $380K, High-Balance Loan $550K, 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 |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
>$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.875 | 4.000 |
Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 4.000 |
>$417K | 4.500 | ------ | 4.625 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
APR | 4.119 | 3.312 | 3.999 | 3.340 | 3.295 | 3.541 |
|
>$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.500 | 3.750 |
APR | 4.381 | 3.559 | 4.132 | 3.549 | 3.543 | 3.786 |
|
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 |
APR | 4.283 | 3.792 | ------ | ------ | 3.520 | 3.666 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
APR | 4.505 | 3.832 | 4.329 | 3.868 | 4.425 | 4.551 |
|
************ MARYLAND ************* (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 |
<=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
>$417K | 4.500 | 4.125 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 4.000 |
>$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
APR | 4.090 | 3.262 | 3.953 | 3.267 | 3.262 | 3.508 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.375 | 3.750 |
APR | 4.363 | 3.878 | ------ | ------ | 3.374 | 3.742 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
APR | 4.475 | 3.780 | 4.289 | 3.794 | 4.391 | 4.516 |
|
************* VIRGINIA *************** (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 |
<=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.875 |
>$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.000 | 4.250 |
>$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
APR | 4.031 | 3.268 | 3.958 | 3.277 | 3.266 | 3.512 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
APR | 4.366 | 3.883 | ------ | ------ | 3.498 | 3.745 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.250 | 4.375 |
APR | 4.407 | 3.787 | 4.294 | 3.804 | 4.280 | 4.403 |
|
*********** 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 |
<=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 4.000 |
>$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | ------ |
>$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.250 | 3.500 |
APR | 4.036 | 3.277 | 3.930 | 3.289 | 3.274 | 3.520 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
APR | 4.364 | 3.879 | ------ | ------ | 3.494 | 3.741 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.375 | 4.500 |
APR | 4.412 | 3.726 | 4.301 | 3.771 | 4.403 | 4.529 |
|
************ FLORIDA ************** (Based on Conforming Loan $200K, High-Balance 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 |
<=$417K | 4.375 | 3.625 | 4.250 | 3.625 | ------ | ------ |
>$417K | 4.750 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.875 | 4.375 | 3.875 | ------ | ------ |
>$417K | 4.875 | ------ | ------ | ------ | ------ | ------ |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
APR | 4.045 | 3.292 | 3.991 | 3.312 | 3.293 | 3.540 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
APR | 4.366 | 3.884 | ------ | ------ | 3.499 | 3.745 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
APR | 4.421 | 3.811 | 4.313 | 3.839 | 4.424 | 4.550 |
|
************* 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 |
<=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.000 | 4.125 |
>$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
>$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
APR | 4.060 | 3.319 | 4.011 | 3.350 | 3.302 | 3.549 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
APR | 4.372 | 3.894 | ------ | ------ | 3.504 | 3.751 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.250 | 3.750 | 4.375 | 4.500 |
APR | 4.436 | 3.838 | 4.334 | 3.877 | 4.433 | 4.560 |
|
************* WASHINGTON ************* (Based on Conforming Loan $380K, High-Balance Loan $550K, 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 |
<=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.500 | 3.625 |
>$417K | 4.500 | 4.125 | ------ | ------ | 3.625 | 3.875 |
Jumbo | 4.375 | 4.000 | ------ | ------ | 3.500 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.625 | 4.125 | 3.750 | 3.750 | 4.000 |
>$417K | 4.500 | 4.250 | ------ | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 |
APR | 4.147 | 3.386 | 3.908 | 3.294 | 3.259 | 3.505 |
|
>$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 |
APR | 4.363 | 3.878 | ------ | ------ | 3.495 | 3.742 |
|
Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
APR | 4.252 | 3.739 | ------ | ------ | 3.369 | 3.620 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.625 | 3.875 | 4.250 | 3.875 | 4.375 | 4.500 |
APR | 4.591 | 3.915 | 4.286 | 3.921 | 4.387 | 4.512 |