******************************* CALIFORNIA ******************************* (Based on Conforming Loan $424K, 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 |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
>$424K | 3.950 | 3.250 | 3.875 | ------ | 3.500 | 3.750 |
Jumbo | 3.875 | 3.500 | 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 | 3.875 | 3.250 | 3.750 | 3.125 | 3.625 | 3.875 |
>$424K | 4.375 | 3.750 | 4.250 | ------ | 3.500 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.670 | 2.973 | 3.534 | 2.965 | 3.034 | 3.179 |
|
>$424K | 3.800 | 3.125 | 3.750 | ------ | 3.375 | 3.500 |
APR | 3.831 | 3.189 | 3.804 | ------ | 3.402 | 3.524 |
|
Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
APR | 3.779 | 3.419 | 4.151 | ------ | 3.264 | 3.280 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
APR | 4.130 | 3.474 | 3.924 | 3.519 | 3.411 | 3.662 |
|
******************************* MARYLAND ******************************* (Based on Conforming Loan $424K, 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 |
<=$424K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.642 | 2.923 | 3.483 | 2.892 | 3.006 | 3.151 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.759 | 3.483 | 4.117 | ------ | 3.261 | 3.373 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.500 | 3.375 | 3.375 | 3.625 |
APR | 4.101 | 3.423 | 3.488 | 3.445 | 3.384 | 3.634 |
|
******************************* VIRGINIA ******************************* (Based on Conforming Loan $424K, 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 |
<=$424K | 3.875 | 3.125 | 3.625 | 3.125 | 3.375 | 3.625 |
>$424K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.750 | 3.250 | 3.750 | 3.875 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.635 | 2.929 | 3.488 | 2.902 | 3.010 | 3.155 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.761 | 3.487 | 4.121 | ------ | 3.263 | 3.375 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
APR | 4.031 | 3.430 | 3.890 | 3.455 | 3.387 | 3.637 |
|
******************************* 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 | 3.750 | 3.125 | 4.125 | 3.990 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.625 | 3.875 | 3.625 | ------ | 4.375 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.640 | 2.937 | 3.507 | 2.914 | 3.034 | 3.179 |
|
>$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.858 | 3.484 | 4.122 | ------ | 3.261 | 3.373 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
APR | 4.036 | 3.438 | 3.896 | 3.467 | 3.432 | 3.683 |
|
******************************* 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 |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.250 |
>$424K | 4.250 | 4.125 | 4.750 | ------ | 4.250 | 4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.500 | 4.000 | 3.500 | ------ | ------ |
>$424K | 4.375 | 4.375 | 4.750 | ------ | 4.250 | 4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.649 | 2.953 | 3.523 | 2.936 | 3.033 | 3.178 |
|
>$424K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.861 | 3.489 | 4.122 | ------ | 3.264 | 3.376 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
APR | 4.045 | 3.454 | 3.909 | 3.490 | 3.432 | 3.683 |
|
******************************* 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 | 3.875 | 3.250 | 3.750 | 3.250 | 4.125 | 4.125 |
>$424K | 4.125 | 3.875 | 4.500 | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.500 |
>$424K | 4.250 | 4.000 | 4.500 | ------ | 3.750 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.663 | 2.978 | 3.542 | 2.973 | 3.047 | 3.192 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.767 | 3.499 | 4.130 | ------ | 3.269 | 3.381 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
APR | 4.060 | 3.480 | 3.929 | 3.527 | 3.447 | 3.698 |
|
******************************* WASHINGTON ******************************* (Based on Conforming Loan $424K, 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 |
<=$424K | 3.750 | 3.000 | 3.500 | 3.000 | 3.125 | 3.375 |
>$424K | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
Jumbo | 3.875 | 3.500 | 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 | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 |
>$424K | 4.000 | 3.750 | 4.250 | ------ | 3.500 | 3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.625 | 2.875 | 3.500 | 2.875 | 3.000 | 3.125 |
APR | 3.641 | 2.922 | 3.487 | 2.891 | 3.006 | 3.151 |
|
>$424K | 3.750 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
APR | 3.758 | 3.482 | 4.117 | ------ | 3.260 | 3.372 |
|
Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.250 | 3.250 |
APR | 3.749 | 3.366 | 4.109 | ------ | 3.236 | 3.251 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.125 | 3.375 | 3.500 | 3.375 | 3.375 | 3.625 |
APR | 4.100 | 3.422 | 3.487 | 3.444 | 3.383 | 3.633 |