******************************* CALIFORNIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
| 3.750 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
>$484K |
3.875 |
3.250 |
3.750 |
3.250 |
4.000 |
------ |
Jumbo |
4.250 |
4.000 |
------ |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.875 |
3.375 |
3.875 |
3.375 |
3.875 |
3.875 |
>$484K |
4.375 |
3.750 |
4.125 |
3.750 |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.125 |
3.500 |
3.000 |
3.375 |
3.500 |
APR |
3.675 |
3.159 |
3.570 |
3.128 |
3.414 |
3.519 |
|
>$484K |
3.750 |
3.125 |
3.625 |
3.125 |
3.750 |
4.625 |
APR |
3.782 |
3.180 |
3.678 |
3.219 |
3.783 |
4.664 |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.027 |
3.780 |
------ |
------ |
3.893 |
3.912 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.291 |
3.803 |
4.196 |
3.800 |
------ |
------ |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
| 3.750 |
3.250 |
3.750 |
3.125 |
3.500 |
3.625 |
>$484K |
4.250 |
4.000 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.750 |
4.250 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.125 |
3.500 |
3.000 |
3.375 |
3.500 |
APR |
3.648 |
3.111 |
3.533 |
3.059 |
3.387 |
3.492 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.006 |
3.742 |
------ |
------ |
3.872 |
3.891 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.263 |
3.754 |
4.157 |
3.730 |
------ |
------ |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K. 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 |
| 3.750 |
3.250 |
3.750 |
3.250 |
3.750 |
3.750 |
>$484K |
4.500 |
4.250 |
------ |
------ |
4.250 |
4.375 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.125 |
3.500 |
3.000 |
3.375 |
3.500 |
APR |
3.641 |
3.117 |
3.537 |
3.067 |
3.391 |
3.495 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.008 |
3.746 |
------ |
------ |
3.874 |
3.893 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.256 |
3.760 |
4.162 |
3.738 |
------ |
------ |
|
******************************* 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 |
| 3.875 |
3.375 |
3.875 |
3.375 |
------ |
------ |
>$484K |
4.875 |
4.375 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.875 |
4.125 |
4.375 |
4.000 |
------ |
------ |
>$484K |
5.000 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.500 |
APR |
3.650 |
3.081 |
3.646 |
3.091 |
3.420 |
3.525 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
4.000 |
4.375 |
APR |
4.143 |
3.875 |
------ |
------ |
3.992 |
4.376 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.000 |
3.625 |
4.000 |
3.500 |
------ |
------ |
APR |
4.057 |
3.726 |
4.065 |
3.645 |
------ |
------ |
|
******************************* ILLINOIS *******************************
(Based on Conforming Loan $450K, Jumbo Loan $562K. 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 |
| 3.750 |
3.125 |
3.625 |
3.125 |
3.500 |
3.500 |
>$484K |
4.250 |
4.000 |
------ |
------ |
4.125 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| ------ |
------ |
------ |
------ |
------ |
------ |
>$484K |
------ |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.125 |
3.500 |
3.000 |
3.375 |
3.500 |
APR |
3.633 |
3.103 |
3.518 |
3.046 |
3.383 |
3.488 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
4.000 |
APR |
4.013 |
3.755 |
------ |
------ |
3.888 |
4.003 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.248 |
3.746 |
4.151 |
3.717 |
------ |
------ |
|
******************************* 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 |
| 4.000 |
3.625 |
4.000 |
3.500 |
------ |
------ |
>$484K |
5.125 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.375 |
3.875 |
4.250 |
3.750 |
------ |
------ |
>$484K |
5.250 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.500 |
APR |
3.659 |
3.096 |
3.658 |
3.114 |
3.418 |
3.524 |
|
>$484K |
4.125 |
3.875 |
------ |
------ |
4.000 |
4.375 |
APR |
4.146 |
3.880 |
------ |
------ |
3.995 |
4.379 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.125 |
3.750 |
4.000 |
3.625 |
------ |
------ |
APR |
4.181 |
3.793 |
4.077 |
3.767 |
------ |
------ |
|
******************************* 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 |
| 4.000 |
3.500 |
3.875 |
3.500 |
------ |
------ |
>$484K |
4.625 |
4.375 |
------ |
------ |
4.375 |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
>$484K |
5.000 |
4.500 |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.000 |
3.625 |
3.000 |
3.375 |
3.500 |
APR |
3.673 |
3.122 |
3.678 |
3.151 |
3.433 |
3.538 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.018 |
3.763 |
------ |
------ |
3.892 |
3.903 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.125 |
3.750 |
4.000 |
3.625 |
------ |
------ |
APR |
4.196 |
3.819 |
4.097 |
3.804 |
------ |
------ |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $450K, High-Balance Loan $650K, Jumbo Loan $1M. 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 |
| 3.750 |
3.250 |
3.750 |
3.125 |
3.500 |
3.625 |
>$484K |
4.250 |
4.000 |
------ |
------ |
4.125 |
4.125 |
Jumbo |
4.250 |
4.000 |
------ |
------ |
4.000 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.875 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$484K |
4.750 |
4.250 |
------ |
------ |
4.500 |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 3.625 |
3.125 |
3.500 |
3.000 |
3.375 |
3.500 |
APR |
3.647 |
3.111 |
3.532 |
3.058 |
3.387 |
3.492 |
|
>$484K |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.005 |
3.741 |
------ |
------ |
3.872 |
3.891 |
|
Jumbo |
4.000 |
3.750 |
------ |
------ |
3.875 |
3.875 |
APR |
4.000 |
3.731 |
------ |
------ |
3.866 |
3.885 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| 4.250 |
3.750 |
4.125 |
3.750 |
------ |
------ |
APR |
4.263 |
3.754 |
4.157 |
3.729 |
------ |
------ |