******************************* 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
4.625
4.125
4.500
4.125
------
------
>$453K
4.750
4.250
4.750
------
4.250
------
Jumbo
5.000
------
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.375
4.625
4.375
------
------
>$453K
5.250
------
5.250
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.500
3.875
4.375
3.875
4.125
4.250
APR
4.520
3.964
4.387
4.004
4.155
4.269
>$453K
4.625
4.125
4.625
------
4.125
4.625
APR
4.639
4.180
4.644
------
4.146
4.658
Jumbo
4.750
4.750
------
------
4.250
4.375
APR
4.778
4.780
------
------
4.288
4.392
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.750
4.875
5.000
------
------
APR
5.020
4.845
4.902
5.104
------
------
******************************* 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
4.625
4.125
4.375
4.125
4.250
4.375
>$453K
5.000
------
------
------
------
------
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
5.125
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
4.500
3.875
4.375
3.875
4.125
4.250
APR
4.490
3.913
4.347
3.930
4.126
4.240
>$453K
4.750
4.750
------
------
4.250
4.375
APR
4.753
4.736
------
------
4.263
4.367
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.750
4.875
4.875
------
------
APR
4.990
4.774
4.861
4.945
------
------
******************************* 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
4.250
4.500
4.250
------
------
>$453K
5.125
------
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.375
4.625
4.375
------
------
>$453K
5.250
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
4.500
3.875
4.375
3.875
4.125
4.250
APR
4.483
3.920
4.352
3.939
4.129
4.244
>$453K
4.750
4.750
------
------
4.250
4.375
APR
4.755
4.740
------
------
4.266
4.370
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.750
4.875
4.875
------
------
APR
4.901
4.781
4.866
4.955
------
------
******************************* 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
4.750
4.250
4.500
4.250
------
------
>$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
5.250
------
------
------
>$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
3.875
4.250
3.875
4.125
4.250
APR
4.416
3.928
4.321
3.952
4.155
4.270
>$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
4.875
4.750
4.750
5.000
------
------
APR
4.906
4.848
4.822
5.107
------
------
******************************* 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
4.875
4.875
4.750
------
------
------
>$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
5.000
------
4.875
------
------
------
>$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
4.375
3.875
4.125
4.250
APR
4.425
3.944
4.371
3.975
4.154
4.268
>$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
4.875
4.750
4.875
5.000
------
------
APR
4.916
4.859
4.886
5.123
------
------
******************************* 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
4.375
4.625
4.375
------
------
>$453K
5.250
------
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
5.000
4.875
------
------
------
>$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
4.375
3.875
4.125
4.250
APR
4.440
3.970
4.392
4.012
4.168
4.283
>$453K
4.750
4.750
------
------
4.250
4.375
APR
4.762
4.752
------
------
4.272
4.376
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.750
4.875
5.000
------
------
APR
4.931
4.890
4.907
5.167
------
------
******************************* 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
4.625
4.125
4.375
4.125
4.250
4.375
>$453K
5.000
------
------
------
------
------
Jumbo
5.000
------
------
------
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
5.125
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
4.500
3.875
4.375
3.875
4.125
4.250
APR
4.489
3.912
4.346
3.928
4.125
4.240
>$453K
4.750
4.750
------
------
4.250
4.375
APR
4.752
4.735
------
------
4.263
4.367
Jumbo
4.750
4.750
------
------
4.250
4.375
APR
4.747
4.726
------
------
4.258
4.361
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.750
4.875
4.875
------
------
APR
4.989
4.773
4.860
4.943
------
------
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.