******************************* 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
4.875
4.375
4.750
4.375
------
------
>$453K
5.000
4.500
------
------
4.375
------
Jumbo
5.125
4.750
------
------
4.500
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.625
4.875
4.625
------
------
>$453K
5.125
4.625
------
------
------
------
PRIMARY RESIDENCE - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.125
4.625
4.125
4.250
4.250
APR
4.781
4.178
4.652
4.201
4.280
4.301
>$453K
4.875
4.375
------
------
4.250
------
APR
4.896
4.412
------
------
4.271
------
Jumbo
5.000
4.375
------
------
4.250
4.250
APR
5.007
4.442
------
------
4.277
4.288
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.250
------
5.125
------
------
------
APR
5.270
------
5.168
------
------
------
******************************* 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
4.875
4.375
4.750
4.375
4.500
4.500
>$453K
5.125
4.750
------
------
4.500
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.500
4.875
4.500
------
------
>$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
4.750
4.125
4.625
4.125
4.250
4.250
APR
4.751
4.126
4.611
4.126
4.251
4.272
>$453K
5.000
4.375
------
------
4.250
4.250
APR
4.981
4.398
------
------
4.252
4.263
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.250
------
5.125
------
------
------
APR
5.239
------
5.126
------
------
------
******************************* 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
4.875
4.375
4.875
4.375
------
------
>$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
5.000
4.625
5.000
4.625
------
------
>$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
4.750
4.125
4.625
4.125
4.250
4.250
APR
4.744
4.133
4.616
4.136
4.254
4.275
>$453K
5.000
4.375
------
------
4.250
4.250
APR
4.983
4.403
------
------
4.255
4.266
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.250
------
5.125
------
------
------
APR
5.232
------
5.131
------
------
------
******************************* 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
5.000
4.500
4.875
4.500
------
------
>$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
5.500
5.125
5.625
------
------
------
>$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
4.625
4.125
4.500
4.125
4.250
4.250
APR
4.678
4.141
4.557
4.149
4.280
4.301
>$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
5.125
4.750
5.000
4.750
------
------
APR
5.168
4.842
5.073
4.882
------
------
******************************* 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
5.125
4.750
5.000
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
5.250
------
5.250
------
------
------
>$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
4.750
4.125
4.500
4.125
4.250
4.250
APR
4.758
4.157
4.570
4.172
4.279
4.300
>$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
5.125
------
5.125
------
------
------
APR
5.178
------
5.151
------
------
------
******************************* 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
5.000
4.625
4.875
4.625
------
------
>$453K
5.375
4.875
5.125
------
4.625
4.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.125
------
5.125
------
------
------
>$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
4.750
4.125
4.500
4.125
4.250
4.250
APR
4.773
4.183
4.590
4.209
4.294
4.315
>$453K
5.000
4.375
------
------
4.250
4.250
APR
4.990
4.414
------
------
4.262
4.272
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.125
------
5.125
------
------
------
APR
5.193
------
5.172
------
------
------
******************************* 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
4.875
4.375
4.750
4.375
4.500
4.500
>$453K
5.125
4.750
------
------
4.500
------
Jumbo
5.125
4.750
------
------
4.500
4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.000
4.500
4.875
4.500
------
------
>$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
4.750
4.125
4.625
4.125
4.250
4.250
APR
4.750
4.125
4.610
4.125
4.250
4.271
>$453K
5.000
4.375
------
------
4.250
4.250
APR
4.980
4.397
------
------
4.252
4.263
Jumbo
5.000
4.375
------
------
4.250
4.250
APR
4.975
4.388
------
------
4.247
4.258
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
5.250
------
5.125
------
------
------
APR
5.239
------
5.125
------
------
------
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.