******************************* 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 | 3.750 | 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 | 3.436 | 2.787 | 2.928 | 3.169 |
|
>$417K | 3.750 | 3.000 | 3.625 | ------ | 3.250 | 3.375 |
APR | 3.766 | 3.064 | 3.652 | ------ | 3.277 | 3.400 |
|
Jumbo | 3.625 | 3.250 | 4.000 | ------ | 3.000 | 3.125 |
APR | 3.668 | 3.310 | 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 | 4.025 | 3.419 | 3.799 | 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 | 3.386 | 2.715 | 2.901 | 3.141 |
|
>$417K | 3.625 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.644 | 3.368 | 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 | 3.996 | 3.369 | 3.759 | 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 | 3.625 | 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 | 3.000 | 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 | 3.391 | 2.725 | 2.904 | 3.145 |
|
>$417K | 3.625 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.646 | 3.373 | 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 | 3.990 | 3.375 | 3.765 | 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 | 3.875 | 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 | ------ | 4.125 |
>$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 | 3.427 | 2.736 | 2.928 | 3.169 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.759 | 3.369 | 3.997 | ------ | 3.133 | 3.239 |
|
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 | ------ | 4.125 |
>$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 | 3.375 | 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 | 3.426 | 2.759 | 2.927 | 3.168 |
|
>$417K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.761 | 3.374 | 3.997 | ------ | 3.136 | 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 |