******************************* 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 | 3.625 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
>$417K | 3.875 | 3.125 | 3.750 | ------ | 3.500 | 3.625 |
Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.625 | 3.750 |
>$417K | 4.250 | 3.625 | 4.000 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.625 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.629 | 2.847 | 3.394 | 2.787 | 2.928 | 3.169 |
|
>$417K | 3.750 | 3.000 | 3.625 | ------ | 3.250 | 3.375 |
APR | 3.756 | 3.051 | 3.644 | ------ | 3.273 | 3.397 |
|
Jumbo | 3.750 | 3.250 | 4.000 | ------ | 3.000 | 3.125 |
APR | 3.759 | 3.308 | 4.026 | ------ | 3.042 | 3.150 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.375 | 3.500 |
APR | 4.036 | 3.437 | 3.807 | 3.393 | 3.411 | 3.537 |
|
******************************* 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 | 3.625 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
>$417K | 3.875 | 3.625 | 4.125 | ------ | 3.375 | 3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
>$417K | 4.000 | 3.625 | 4.125 | ------ | 3.500 | 3.500 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.625 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.601 | 2.797 | 3.352 | 2.715 | 2.901 | 3.141 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.738 | 3.365 | 3.993 | ------ | 3.132 | 3.238 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.375 | 3.500 |
APR | 4.007 | 3.387 | 3.765 | 3.320 | 3.384 | 3.509 |
|
******************************* 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 | 3.750 | 3.000 | 3.500 | 2.875 | 3.250 | 3.500 |
>$417K | 4.000 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.875 | 3.250 | 3.625 | 3.125 | 3.750 | 3.750 |
>$417K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.500 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.530 | 2.804 | 3.349 | 2.725 | 2.904 | 3.125 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.741 | 3.370 | 3.996 | ------ | 3.135 | 3.240 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.375 | 3.500 |
APR | 4.000 | 3.394 | 3.761 | 3.330 | 3.387 | 3.512 |
|
******************************* 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 | 3.750 | 3.125 | 3.625 | 3.000 | 3.750 | 3.750 |
>$417K | 4.000 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.500 | 3.750 | 3.375 | ------ | 3.990 |
>$417K | 4.125 | 3.750 | 4.250 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.500 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.535 | 2.812 | 3.386 | 2.736 | 2.928 | 3.169 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.756 | 3.367 | 3.997 | ------ | 3.133 | 3.238 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.921 | 3.331 | 3.771 | 3.243 | 3.432 | 3.557 |
|
******************************* 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 | 3.875 | 3.250 | 3.750 | 3.125 | ------ | 3.990 |
>$417K | 4.250 | 4.000 | 4.625 | ------ | 4.250 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.000 | 3.500 | 3.875 | 3.375 | ------ | 4.500 |
>$417K | 4.250 | 4.125 | 4.625 | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.500 | 2.750 | 3.375 | 2.750 | 2.875 | 3.125 |
APR | 3.544 | 2.828 | 3.409 | 2.759 | 2.927 | 3.168 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.759 | 3.371 | 3.997 | ------ | 3.135 | 3.241 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
APR | 3.930 | 3.347 | 3.783 | 3.266 | 3.432 | 3.558 |