*********** 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 | 4.125 | 3.250 | 3.750 | 3.250 | 3.250 | 3.500 |
>$424K | 4.200 | 3.375 | 4.000 | 3.250 | 3.750 | 3.750 |
Jumbo | 4.250 | 3.750 | 4.500 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.375 | 3.875 | 3.375 | 3.500 | 3.750 |
>$424K | 4.500 | 4.000 | 4.375 | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.250 |
APR | 4.030 | 3.240 | 3.750 | 3.179 | 3.036 | 3.289 |
|
>$424K | 4.050 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 |
APR | 4.078 | 3.295 | 3.933 | 3.245 | 3.539 | 3.664 |
|
Jumbo | 4.125 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.153 | 3.652 | 4.398 | ------ | 3.534 | 3.649 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 |
APR | 4.411 | 3.725 | 4.179 | 3.644 | 3.782 | 4.031 |
|
*********** 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 | 4.125 | 3.250 | 3.750 | 3.125 | 3.125 | 3.500 |
>$424K | 4.375 | 4.000 | 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 | 4.200 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 |
>$424K | 4.375 | 4.000 | 4.500 | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 3.970 | 3.190 | 3.708 | 3.060 | 2.999 | 3.252 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.227 | 3.645 | 4.362 | ------ | 3.514 | 3.632 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
APR | 4.381 | 3.659 | 4.136 | 3.570 | 3.753 | 3.903 |
|
************ 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.375 | 3.625 |
>$424K | 4.500 | 4.125 | 4.625 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.500 | 3.950 | 3.375 | 3.625 | 3.875 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.250 | 3.625 | 3.000 | 2.990 | 3.250 |
APR | 3.971 | 3.196 | 3.655 | 3.070 | 3.002 | 3.255 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.230 | 3.650 | 4.366 | ------ | 3.516 | 3.635 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
APR | 4.375 | 3.666 | 4.133 | 3.580 | 3.757 | 3.907 |
|
************* 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 | 4.125 | 3.375 | 3.950 | 3.375 | 3.500 | 3.750 |
>$424K | 4.500 | 4.125 | 4.625 | ------ | 3.875 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.625 | 4.000 | 4.125 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.125 | 3.625 | 3.000 | 2.990 | 3.250 |
APR | 3.994 | 3.224 | 3.686 | 3.091 | 3.029 | 3.280 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.228 | 3.646 | 4.366 | ------ | 3.512 | 3.631 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 |
APR | 4.297 | 3.689 | 4.164 | 3.592 | 3.790 | 4.023 |
|
*********** 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 | 4.250 | 3.625 | 4.125 | 3.500 | 4.125 | 4.125 |
>$424K | 4.625 | 4.625 | 4.875 | ------ | 4.250 | 4.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.750 | 4.250 | 3.625 | 4.625 | 4.500 |
>$424K | 4.625 | 4.625 | 4.875 | ------ | 4.375 | 4.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.990 | 3.250 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 4.035 | 3.220 | 3.759 | 3.135 | 3.041 | 3.293 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.230 | 3.651 | 4.366 | ------ | 3.517 | 3.636 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 |
APR | 4.306 | 3.705 | 4.188 | 3.615 | 3.798 | 4.036 |
|
************** 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 | 4.250 | 3.500 | 3.950 | 3.375 | 3.625 | 3.750 |
>$424K | 4.500 | 4.250 | 4.625 | ------ | 4.000 | 4.000 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.500 | 3.875 | 4.000 |
>$424K | 4.500 | 4.375 | 4.625 | ------ | 4.125 | 4.125 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.990 | 3.250 | 3.750 | 3.000 | 2.990 | 3.250 |
APR | 4.052 | 3.246 | 3.773 | 3.166 | 3.057 | 3.308 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.236 | 3.661 | 4.374 | ------ | 3.522 | 3.641 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.990 |
APR | 4.322 | 3.731 | 4.212 | 3.653 | 3.813 | 4.053 |
|
************* 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.125 | 3.375 |
>$424K | 4.375 | 3.875 | 4.500 | ------ | 3.750 | 3.875 |
Jumbo | 4.250 | 3.750 | 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 | 3.875 | 3.375 | 3.375 | 3.625 |
>$424K | 4.375 | 4.000 | 4.500 | ------ | 3.875 | 3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.950 | 3.125 | 3.625 | 3.000 | 2.990 | 3.250 |
APR | 3.967 | 3.171 | 3.649 | 3.050 | 2.998 | 3.251 |
|
>$424K | 4.250 | 3.625 | 4.375 | ------ | 3.500 | 3.625 |
APR | 4.227 | 3.644 | 4.362 | ------ | 3.513 | 3.632 |
|
Jumbo | 4.125 | 3.625 | 4.375 | ------ | 3.500 | 3.500 |
APR | 4.123 | 3.599 | 4.355 | ------ | 3.488 | 3.510 |
|
INVESTMENT PROPERTY - PURCHASE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.375 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 |
APR | 4.381 | 3.658 | 4.127 | 3.569 | 3.753 | 3.903 |