********** 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 | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
>$424K | 3.875 | 3.125 | 3.750 | ------ | 3.500 | 3.625 |
Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.625 | 3.750 |
>$424K | 4.250 | 3.750 | 4.125 | ------ | 3.500 | 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 | 3.000 | 3.125 |
APR | 3.660 | 2.937 | 3.433 | 2.866 | 3.034 | 3.179 |
|
>$424K | 3.750 | 3.125 | 3.625 | ------ | 3.250 | 3.375 |
APR | 3.784 | 3.142 | 3.680 | ------ | 3.285 | 3.412 |
|
Jumbo | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.125 |
APR | 3.779 | 3.395 | 4.026 | ------ | 3.145 | 3.163 |
|
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 | 3.500 |
APR | 4.057 | 3.456 | 3.914 | 3.466 | 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 |
<=$424K | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
>$424K | 4.000 | 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 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
>$424K | 4.000 | 3.750 | 4.125 | ------ | 3.500 | 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 | 2.990 | 3.125 |
APR | 3.632 | 2.887 | 3.391 | 2.793 | 3.020 | 3.151 |
|
>$424K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.769 | 3.389 | 3.993 | ------ | 3.142 | 3.251 |
|
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 | 3.500 |
APR | 4.028 | 3.405 | 3.863 | 3.392 | 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 |
<=$424K | 3.750 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 |
>$424K | 4.125 | 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 |
<=$424K | 3.875 | 3.250 | 3.625 | 3.125 | 3.750 | 3.750 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 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 | 2.750 | 2.990 | 3.125 |
APR | 3.625 | 2.893 | 3.388 | 2.803 | 3.023 | 3.155 |
|
>$424K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.771 | 3.394 | 3.996 | ------ | 3.145 | 3.253 |
|
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 | 3.500 |
APR | 4.021 | 3.412 | 3.868 | 3.402 | 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 |
<=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.875 | 3.875 |
>$424K | 4.125 | 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 |
<=$424K | 4.125 | 3.625 | 3.875 | 3.500 | ------ | 4.125 |
>$424K | 4.125 | 3.875 | 4.250 | ------ | 3.750 | 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 | 2.750 | 3.000 | 3.125 |
APR | 3.630 | 2.902 | 3.425 | 2.815 | 3.034 | 3.179 |
|
>$424K | 3.875 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.860 | 3.390 | 3.997 | ------ | 3.143 | 3.252 |
|
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 | 3.375 | 3.500 |
APR | 4.026 | 3.420 | 3.828 | 3.395 | 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 |
<=$424K | 4.000 | 3.375 | 3.750 | 3.250 | ------ | 4.125 |
>$424K | 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 |
<=$424K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.500 |
>$424K | 4.250 | 4.375 | 4.625 | ------ | 4.250 | 4.125 |
|
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 | 3.000 | 3.125 |
APR | 3.639 | 2.917 | 3.449 | 2.837 | 3.033 | 3.178 |
|
>$424K | 3.875 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.863 | 3.395 | 3.997 | ------ | 3.145 | 3.254 |
|
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 | 3.500 |
APR | 4.035 | 3.436 | 3.894 | 3.437 | 3.432 | 3.558 |
|
********** 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 | 3.125 | 3.875 | 3.875 |
>$424K | 4.125 | 3.750 | 4.375 | ------ | 3.750 | 3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 4.000 | 3.375 | 3.875 | 3.375 | ------ | 4.250 |
>$424K | 4.125 | 3.875 | 4.375 | ------ | 3.750 | 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 | 2.750 | 3.000 | 3.125 |
APR | 3.653 | 2.942 | 3.460 | 2.874 | 3.047 | 3.192 |
|
>$424K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.778 | 3.405 | 4.005 | ------ | 3.151 | 3.260 |
|
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 | 3.500 |
APR | 4.049 | 3.461 | 3.945 | 3.474 | 3.447 | 3.572 |
|
********** 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 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
>$424K | 4.000 | 3.625 | 4.125 | ------ | 3.375 | 3.500 |
Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$424K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.625 |
>$424K | 4.000 | 3.750 | 4.125 | ------ | 3.500 | 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 | 2.990 | 3.125 |
APR | 3.644 | 2.886 | 3.382 | 2.800 | 3.019 | 3.151 |
|
>$424K | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.250 |
APR | 3.768 | 3.389 | 3.992 | ------ | 3.142 | 3.251 |
|
Jumbo | 3.750 | 3.375 | 4.000 | ------ | 3.125 | 3.125 |
APR | 3.749 | 3.343 | 3.985 | ------ | 3.117 | 3.134 |
|
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 | 3.500 |
APR | 4.027 | 3.404 | 3.862 | 3.391 | 3.383 | 3.508 |