************ 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 |
<=$424K | 3.875 | 3.125 | 3.500 | 3.000 | 3.125 | 3.375 |
>$424K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
Jumbo | 4.000 | 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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.375 | 3.625 |
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 2.990 | 3.375 | 2.875 | 2.875 | 3.125 |
APR | 3.761 | 3.028 | 3.408 | 2.962 | 2.928 | 3.169 |
|
>$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.125 | 3.375 |
APR | 3.781 | 3.139 | 3.688 | 3.089 | 3.163 | 3.411 |
|
Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.883 | 3.550 | 4.147 | ------ | 3.288 | 3.405 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 |
APR | 4.150 | 3.474 | 3.815 | 3.439 | 3.657 | 3.782 |
|
************ 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 |
<=$424K | 3.750 | 3.125 | 3.500 | 3.000 | 3.125 | 3.375 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 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 | 3.375 | 3.625 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.731 | 2.916 | 3.366 | 2.814 | 2.901 | 3.132 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.859 | 3.603 | 4.112 | ------ | 3.265 | 3.381 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 |
APR | 4.121 | 3.418 | 3.772 | 3.366 | 3.628 | 3.753 |
|
******** 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 |
<=$424K | 3.875 | 3.250 | 3.500 | 3.125 | 3.250 | 3.500 |
>$424K | 4.625 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.625 | 3.250 | 3.625 | 3.750 |
>$424K | 4.625 | 4.000 | 4.375 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.728 | 2.923 | 3.363 | 2.823 | 2.904 | 3.135 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.861 | 3.607 | 4.116 | ------ | 3.267 | 3.384 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 |
APR | 4.115 | 3.424 | 3.769 | 3.376 | 3.632 | 3.757 |
|
************ 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 | 3.375 | 3.625 |
>$424K | 4.625 | 4.125 | 4.375 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 3.750 | 3.500 | 4.125 | 3.990 |
>$424K | 4.625 | 4.125 | 4.375 | ------ | 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 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.671 | 2.955 | 3.393 | 2.893 | 2.914 | 3.162 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.857 | 3.600 | 4.116 | ------ | 3.263 | 3.380 |
|
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 | 3.625 | 3.750 |
APR | 4.047 | 3.438 | 3.799 | 3.368 | 3.672 | 3.798 |
|
********** 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 |
<=$424K | 4.000 | 3.375 | 3.750 | 3.250 | 4.125 | 3.990 |
>$424K | 4.875 | 4.375 | 4.625 | ------ | 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 | 3.375 | ------ | 4.250 |
>$424K | 4.875 | 4.375 | 4.625 | ------ | 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 | 3.375 | 2.875 | 2.875 | 3.125 |
APR | 3.679 | 2.971 | 3.417 | 2.936 | 2.927 | 3.174 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.862 | 3.608 | 4.116 | ------ | 3.268 | 3.384 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.375 | 3.250 | 3.625 | 3.750 |
APR | 4.056 | 3.454 | 3.420 | 3.391 | 3.673 | 3.798 |
|
************ 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 | 3.950 | 3.250 | 3.625 | 3.250 | 3.625 | 3.750 |
>$424K | 4.625 | 4.125 | 4.375 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.375 | 3.875 | 4.125 |
>$424K | 4.625 | 4.125 | 4.375 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.375 | 2.875 | 2.875 | 3.125 |
APR | 3.694 | 2.997 | 3.431 | 2.974 | 2.941 | 3.190 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.868 | 3.619 | 4.124 | ------ | 3.273 | 3.390 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 |
APR | 4.071 | 3.480 | 3.899 | 3.429 | 3.687 | 3.813 |
|
********** 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 |
<=$424K | 3.750 | 3.125 | 3.500 | 3.000 | 3.125 | 3.375 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.500 |
Jumbo | 3.875 | 3.625 | 4.125 | ------ | 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 | 3.625 | 3.125 | 3.375 | 3.625 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.750 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.724 | 2.915 | 3.357 | 2.812 | 2.898 | 3.131 |
|
>$424K | 3.875 | 3.625 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.858 | 3.602 | 4.112 | ------ | 3.264 | 3.381 |
|
Jumbo | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.754 | 3.497 | 4.106 | ------ | 3.240 | 3.356 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 |
APR | 4.127 | 3.417 | 3.763 | 3.364 | 3.628 | 3.753 |