******************************* CALIFORNIA *******************************
(Based on Conforming Loan $453K, 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
4.500
4.000
4.375
4.000
4.125
4.250
>$453K
4.625
4.125
------
------
4.125
------
Jumbo
4.625
4.625
------
------
4.375
4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.625
4.125
4.500
4.125
------
------
>$453K
4.750
------
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.433
3.938
4.300
3.966
3.931
4.057
>$453K
4.500
4.000
------
------
3.875
------
APR
4.538
4.066
------
------
3.922
------
Jumbo
4.500
4.250
------
------
4.000
4.000
APR
4.524
4.328
------
------
4.033
4.044
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.375
4.625
4.375
------
------
APR
4.902
4.477
4.690
4.521
------
------
******************************* MARYLAND *******************************
(Based on Conforming Loan $453K, 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
4.500
4.000
4.375
4.000
4.125
4.250
>$453K
4.750
4.750
------
------
4.375
4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.625
4.125
4.500
4.125
------
------
>$453K
5.125
4.625
4.875
------
4.375
4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.403
3.887
4.259
3.892
3.902
4.028
>$453K
4.500
4.250
------
------
4.000
4.000
APR
4.498
4.284
------
------
4.009
4.019
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.375
4.625
4.375
------
------
APR
4.871
4.425
4.649
4.446
------
------
******************************* VIRGINIA *******************************
(Based on Conforming Loan $453K, 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
4.625
4.125
4.375
4.125
4.500
4.625
>$453K
4.875
------
------
------
4.500
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.250
4.500
4.250
------
------
>$453K
5.250
4.875
5.000
------
4.500
4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.396
3.894
4.265
3.902
3.906
4.031
>$453K
4.500
4.250
------
------
4.000
4.000
APR
4.501
4.289
------
------
4.011
4.022
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.375
4.625
4.375
------
------
APR
4.864
4.431
4.655
4.456
------
------
******************************* 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
4.625
4.125
4.500
4.125
------
------
>$453K
5.250
4.875
5.000
------
4.500
4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.250
4.875
------
------
------
------
>$453K
5.250
4.875
5.000
------
4.625
4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.750
4.250
3.750
3.875
4.000
APR
4.401
3.851
4.272
3.896
3.932
4.057
>$453K
5.000
4.500
4.750
------
4.250
4.375
APR
4.997
4.533
4.747
------
4.253
4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.375
4.625
4.375
------
------
APR
4.799
4.440
4.662
4.469
------
------
******************************* 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
4.750
4.375
4.625
4.375
------
------
>$453K
5.625
5.125
5.375
------
5.125
5.000
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
------
4.750
------
------
------
>$453K
5.625
5.125
5.375
------
5.125
5.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.410
3.918
4.284
3.937
3.930
4.056
>$453K
5.000
4.500
4.750
------
4.250
4.375
APR
4.998
4.534
4.747
------
4.253
4.378
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.375
4.625
4.375
------
------
APR
4.808
4.456
4.674
4.492
------
------
******************************* 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
4.750
4.250
4.500
4.250
------
------
>$453K
5.000
------
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.375
4.625
4.375
------
------
>$453K
5.375
4.875
5.125
------
4.625
4.625
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.425
3.944
4.304
3.975
3.945
4.070
>$453K
4.500
4.250
------
------
4.000
4.000
APR
4.507
4.300
------
------
4.018
4.028
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.375
4.625
4.375
------
------
APR
4.823
4.483
4.695
4.530
------
------
******************************* WASHINGTON *******************************
(Based on Conforming Loan $453K, 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
4.500
4.000
4.375
4.000
4.125
4.250
>$453K
4.750
4.750
------
------
4.375
4.375
Jumbo
4.625
4.625
------
------
4.375
4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.625
4.125
4.500
4.125
------
------
>$453K
5.125
4.625
4.875
------
4.375
4.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.375
3.875
4.250
3.875
3.875
4.000
APR
4.403
3.886
4.259
3.891
3.902
4.027
>$453K
4.500
4.250
------
------
4.000
4.000
APR
4.498
4.283
------
------
4.008
4.019
Jumbo
4.500
4.250
------
------
4.000
4.000
APR
4.493
4.275
------
------
4.003
4.014
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.375
4.625
4.375
------
------
APR
4.871
4.424
4.649
4.445
------
------
Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.
Rates above are based on the following assumptions:
1. Loan Amount: See detailed loan amounts under the State name above;
2. Loan-To-Value (LTV):
-
-
-
-
-
-
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.