******************************* 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
4.125
4.375
4.125
------
------
>$453K
4.625
4.125
------
------
4.250
------
Jumbo
5.000
4.250
------
------
4.375
4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
4.125
4.500
4.125
------
------
>$453K
4.750
4.375
------
------
------
------
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
3.927
4.291
3.950
4.165
4.290
>$453K
4.500
4.125
------
------
4.125
------
APR
4.542
4.106
------
------
4.156
------
Jumbo
4.750
4.000
------
------
4.000
4.000
APR
4.778
4.030
------
------
4.027
4.037
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
APR
4.928
4.678
4.822
4.701
------
------
******************************* 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
4.125
4.375
4.125
4.250
4.375
>$453K
5.000
4.250
------
------
4.375
4.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
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
4.125
4.250
APR
4.386
3.876
4.251
3.876
4.136
4.261
>$453K
4.750
4.000
------
------
4.000
4.000
APR
4.753
3.986
------
------
4.002
4.013
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
APR
4.897
4.626
4.780
4.626
------
------
******************************* 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
------
------
>$453K
5.125
4.625
------
------
------
------
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
4.375
3.875
4.250
3.875
4.125
4.250
APR
4.379
3.883
4.256
3.886
4.140
4.265
>$453K
4.750
4.000
------
------
4.000
4.000
APR
4.755
3.991
------
------
4.005
4.015
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
APR
4.891
4.633
4.786
4.636
------
------
******************************* 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
5.500
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
4.375
3.750
4.250
3.750
4.125
4.250
APR
4.384
3.821
4.263
3.853
4.166
4.291
>$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
4.500
4.750
4.500
------
------
APR
4.896
4.592
4.793
4.632
------
------
******************************* 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
4.500
4.750
4.500
------
------
>$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
4.750
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
3.750
4.250
3.750
4.125
4.250
APR
4.393
3.837
4.275
3.876
4.164
4.289
>$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
4.625
4.750
4.625
------
------
APR
4.905
4.658
4.806
4.672
------
------
******************************* 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
5.125
4.750
------
------
------
------
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
>$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
3.750
4.250
3.750
4.125
4.250
APR
4.408
3.863
4.296
3.914
4.179
4.304
>$453K
4.750
4.000
------
------
4.000
4.000
APR
4.762
4.002
------
------
4.011
4.022
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
APR
4.920
4.684
4.826
4.710
------
------
******************************* 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
4.125
4.375
4.125
4.250
4.375
>$453K
5.000
4.250
------
------
4.375
4.500
Jumbo
4.875
4.250
------
------
4.375
4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.750
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
4.125
4.250
APR
4.386
3.875
4.250
3.875
4.135
4.261
>$453K
4.750
4.000
------
------
4.000
4.000
APR
4.752
3.985
------
------
4.002
4.012
Jumbo
4.750
4.000
------
------
4.000
4.000
APR
4.747
3.976
------
------
3.997
4.007
INVESTMENT PROPERTY - PURCHASE:
30-Yr
15-Yr
20-Yr
10-Yr
5/1 ARM
7/1 ARM
4.875
4.625
4.750
4.625
------
------
APR
4.897
4.625
4.780
4.625
------
------
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.