PRODUCT FNMA DU Refi Plus Conforming Fixed Rate & ARM Mortgages
PRODUCT OVERVIEW The FNMA Home Affordable Refinance program provides unique refinance opportunities for borrowers who may not otherwise be eligible due to declining home price values. Borrowers with FNMA guaranteed loans and who have acceptable payment histories may be eligible. All loans will require DU approval and offer expanded eligibility criteria and reduced documentation requirements. See ‘Borrower Benefit’ in the Program Eligibility section below
LOAN PROGRAM CODES
(Rev. 4/2012) Fully Amortized: Fixed Rate: LTV‟s up to 105% (F) LTV‟s 105.01 – 125% (G) LTV‟s 125.01 + (H) FNRFP15F N/A N/A FNRFP20F FNRFP20G FNRFP20H FNRFP30F FNRFP30G FNRFP30H
Fixed Rate Site Condominium: LTV‟s up to 100% (F)
SCRFP15F SCRFP20F SCRFP30F
ARM: FNRFP5YL, FNRFP7YL, FNRFP10Y Fully Amortized – High Balance Loan Amounts: Fixed Rate: LTV‟s up to 105% (F) LTV‟s 105.01 – 125% (G) LTV‟s 125.01 + (H) HBRFP15F N/A N/A HBRFP30F HBRFP30G HBRFP30H
Fixed Rate Site Condominium: LTV‟s up to 100% (F)
HSCRP15F HSCRP30F ARM: HBRFP5YL
Fully Amortized – Texas Cash Out Refinance: Fixed Rate:
LTV‟s up to 80% (F) FRFPT15F FRFPT20F FRFPT30F
Fully Amortized – LPMI Fixed Rate: LTV‟s up to 105% (F) LTV‟s 105.01 – 125% (G) LTV‟s 125.01 + (H) RFP15LPF N/A N/A RFP20LPF RFP20LPG RFP20LPH RFP30LPF RFP30LPG RFP30LPH Fixed Rate: RFP15FLP, RFP20FLP, RFP30FLP ARM: RFP5YLLP, RFP7YLLP, RFP10YLP
High Balance - Fully Amortized - LPMI Fixed Rate: LTV‟s up to 105% (F) LTV‟s 105.01 – 125% (G) LTV‟s 125.01 + (H) HRP15LPF N/A N/A HRP30LPF HRP30LPG HRP30LPH Fixed Rate: HBRP15LP, HBRP30LP ARM: HBRP5YLP
8115 - 30 YR DU REFI
8116 - 25 YR DU REFI
8117 - 20 YR DU REFI
8118 - 15 YR DU REFI
8119 - 10 YR DU REFI
8214 - 10/1 ARM DU REFI
8215 - 7/1 ARM DU REFI
8216 - 5/1 ARM DU REFI
CONVENTIONAL 30 YEAR FIXED
DU REFI PLUS
CONVENTIONAL 25 YEAR FIXED
DU REFI PLUS
CONVENTIONAL 20 YEAR FIXED
DU REFI PLUS
CONVENTIONAL 15 YEAR FIXED
DU REFI PLUS
CONVENTIONAL 10 YEAR FIXED
DU REFI PLUS
CONVENTIONAL 10/1 ARM DU
REFI PLUS
CONVENTIONAL 7/1 ARM DU
REFI PLUS
CONVENTIONAL 5/1 ARM DU
REFI PLUS
LOAN PURPOSE Limited Cash-Out Refinance
LOAN TERM Fully Amortized
Fixed Rate: 120, 180, 240, 300, 360 ARM: 180 or 360months
High Balance
Fixed Rate: 180 & 360 months only ARM: 360 months only
Texas Cash Out
Fixed Rate: 120, 180, 240, 300, 360
LOAN AMOUNTS Minimum: None
Maximum:
1 Unit: $417,000 Alaska & Hawaii*: 1 Unit: $625,500 2 Units: $533,850 2 Units: $800,775 3 Units: $645,300 3 Units: $967,950 4 Units: $801,950 4 Units: $1,202,925 HIGH BALANCE LOAN AMOUNTS
Minimum:
1 Unit: $417,001 Hawaii: 1 Unit: $625,501 2 Units: $533,851 2 Units: $800,776 3 Units: $645,301 3 Units: $967,951 4 Units: $801,951 4 Units: $1,202,926
Note: High-cost areas and maximum loan amounts can be found at the end of this PDS.
ARM FEATURES Conversion Option: None Caps: 5/1, 7/1 and 10/1: 5/2/5 Margin: 2.25%
Index: Average of the interbank offered rates for one-year US dollar deposits in the London market, as published in the Wall Street Journal.
OCCUPANCY Primary
Second Homes Investment
PROGRAM ELIGIBILITY Only FNMA loans that were delivered prior to June 1, 2009 will be eligible for this program.
BORROWER BENEFIT:
The refinance must provide a benefit to the borrower by either reducing the monthly principal and interest payment or moving the borrower to a more stable product. The following list provides scenarios that meet the borrower benefit provision:
The monthly principal and interest payment is decreasing. The interest rate is decreasing.
The amortization period is shortened.
The amortization period is extended (e.g. from 15 to 30 years) provided there is a reduction in the principal and interest payment (Note: an extension of the amortization period is not considered a movement to a more stable product.) The mortgage loan type changes from a fixed-rate to an ARM provided there is a reduction in the principal and interest payment. (Note: Movement from a fixed rate mortgage to an ARM is not considered a movement to a more stable mortgage product. Fixed rate mortgages should be offered to borrowers whenever possible.) The principal and interest payment is staying the same or increasing provided the borrower is moving to a more stable mortgage product.
INTEREST ONLY OPTION Not applicable
Not offered by AFN
ELIGIBLE BORROWERS Borrowers may be removed from the existing loan for any reason (not solely due to death or divorce).
The remaining borrower(s) must demonstrate that they have been making the payments from his or her own funds for the 12 months prior to the origination of the new mortgage (the 12 month history must be on the existing mortgage). The borrower(s) being removed must also be removed from the deed. If a borrower is being removed as a result of a death, the 12 month payment history and removal of the borrower from the deed is not required, although the remaining borrower must provide evidence of the previous borrower‟s death. Borrowers may be added to the new loan, provided the existing borrower is retained. In addition, the new borrower(s) must be one of the following: o U.S. Citizen
o Permanent Resident Aliens o Non-Permanent Resident Aliens INELIGIBLE BORROWERS Foreign Nationals
NON-OCCUPANT CO-BORROWER Eligible per FNMA guidelines; if loan is approved through DU, DU must recognize and approve the primary borrower based on his/her standalone ratios.
ELIGIBLE PROPERTY TYPES 1 Unit Single Family Residence 2 – 4 Units
FNMA Eligible Condos and Planned Unit Developments (PUDs) INELIGIBLE PROPERTY TYPES Manufactured Homes
Co-Ops
GEOGRAPHIC RESTRICTIONS Guam, Puerto Rico, US Virgin Islands are ineligible STATE SPECIFIC CRITERIA Hawaii:
Leasehold estates must follow FNMA and EverBank leasehold standards as published in the EverBank Corporate Underwriting Guidelines
Leasehold properties will require an ALTA Leasehold Endorsement Properties identified in Lava Flow Zones 1 & 2 are considered ineligible Texas:
Refinance loans in the state of Texas that follow Texas Section 50 (a)(6) requirements are eligible under this program with the following overlays:
Maximum 80.00% LTV/CLTV/HCLTV Must meet a minimum 12 months seasoning 1 Unit Primary Residence only
A full #1004 appraisal report will be required for all loans No minimum FICO applies
Must attach the unique LPC code identified above
This enhancement will allow loans for properties in TX that qualify as TX 50(a)6 to refinance under this program, but this is not a „cash-out‟ option. The cap on
proceeds to the borrower applies which is $250.00 for this program only.
All other requirements for the refinance must follow the EverBank Texas Cash-Out Refinance Policy as found within the Operations Manual.
APPRAISAL REQUIREMENTS Appraisal Standards will be determined by DU with options as outlined below. Certain DU Refi Plus loans will waive the requirement for an appraisal or exterior-only property inspection. For those specific DU Refi Plus loans, the DU Finding Report will issue 2 property fieldwork recommendation messages:
One message will indicate that the loan is eligible for the DU Refi Plus Property Fieldwork Waiver (PFW) AND
The other message will indicate the minimum level of property fieldwork required if the lender does not elect to exercise the DU property report waiver
If a loan is ineligible for PFW and DU does not offer the PFW, a message will be issued indicating the minimum level of property fieldwork required.
The DU PFW will not be offered in the following scenarios:
Loans that receive an Approve/Ineligible recommendation from DU All 2-4 unit properties
The PFW offered by DU is only valid if offered on the final DU submission. Any subsequent submission(s) to DU where the PFW is not offered, invalidates the option to use the PFW and the minimum level of property fieldwork must be used. To identify the loan is exercising this option the underwriter should select the PIW flag in the front-end system. All PFWs will require the SFC Code of 807 at Loan Delivery and a fee of $75.00.
RISK GRADE MARKET POLICY This product is not subject to the EverBank Risk Grade Market Policy – Maximum LTV will be determined by DU or per the lending grid at the back of the program description.
PROJECT WARRANTY STANDARDS
Project Warranty Reviews are not required for Condominiums or PUD projects. EverBank must only confirm the property is not a Condotel (website confirmation) FNMA Project Type Codes are required at Loan Delivery as follows:
V - Condominiums E - PUDs
Underwriters will be required to place the correct Condo (V) Project Type on the final 1008 since LQ and WITS currently do not support this value (Pending LOS updates)
DETACHED CONDOMINIUMS (SITE CONDOS)
FNMA Eligible Detached Condominiums (Site Condos) must meet all of the following:
Property must be a fully detached home; it cannot have any shared structure(s) (e.g., any structure connecting the subject dwelling to another dwelling, a detached but shared garage or storage unit, etc.)
The loan must have DU Approve/Eligible findings and be eligible for the DU Refi Plus program.
Use the Site Condo specific LPC code as identified in the beginning of this PDS.
Must be input as a Property Type of Condo.
Appraisal Requirements for LTV‟s > 80% when Mortgage Insurance is required (see Mortgage Insurance section below): A full appraisal is required and must be completed on either Form #1073 Single Family Condominium or Form #1004 Detached Single Family Appraisal report. A PFW or any other type of appraisal is not permitted. The appraisal must validate and verify no attached buildings or structures of any kind. The appraiser must comment on any buyer resistance to the condominium form of ownership, or any effect this may have on the market value of the individual unit. Typically at least one detached condo should be part of the comparable sales analysis.
Appraisal Requirements for LTV‟s < 80% or > 80% when MI is not required on a DU Refi Plus transaction: the subject property appraisal report will be
determined by DU, which may include a Form #2075 if offered by DU. However a PFW is not permitted.
Loan is not subject to any FNMA Condo project review or warranty.
Condo Project Type of “P” or “Q” should be completed on the 1008 Transmittal Summary.
No manufactured home or 2-4 unit condominium projects Maximum LTV 80% if mortgage insurance is required
Must be input into the AUS (DU Only) with a Property Type of Condo. This ensures the Condo Rider also is part of the closing package.
Current EverBank Hazard & Flood insurance coverage requirements are the same as published for single family detached dwellings.
A SFC Code of 588 is required at Loan Delivery and should be placed on the 1008 Transmittal Summary.
MORTGAGE INSURANCE REQUIREMENTS
(Rev. 4/2012)
Eligibility: Mortgage insurance guidelines may vary from firm to firm and depending on whether EverBank services the loan being refinanced. The loan must comply with any requirements established by the applicable mortgage insurer to transfer and/or maintain the existing mortgage insurance coverage.
For DU Refi Plus new refinance transactions with LTV ratios > 80%, mortgage insurance may or may not be required depending on the current mortgage insurance coverage on the existing loan. New refinance transactions with an LTV ratio less than 80% do not require mortgage insurance.
Original LTV of Existing Loan
MI in Force on Existing Loan
MI Required for New Refinance Loan
≤ 80% No No
> 80% No – mortgage insurance previously cancelled or terminated per Selling Guide and Servicing Guide requirements
No
> 80% Yes Yes – Obtain either the level of MI coverage in force on the existing mortgage loan or standard MI coverage Existing FNMA-owned loans which currently have split premium MI or Financed MI are NOT eligible for Refi Plus. Loans insured by CMG or UGIC are ineligible. All Refi Plus loans with LTVs > 80.01% without MI will require MI Code 95 at time of Loan Delivery (See end of PDS).
UNDERWRITING GUIDELINES All loans originated under this program must be underwritten through DU Follow FNMA Seller Guide standards if not addressed in this program description.
Underwriting is subject to EverBank guidelines
The underwriter is to review the payoff statement for the existing loan which is being paid off with proceeds from this transaction.
Eligible DU Recommendations: DU Approve/Eligible
DU Approve/Ineligible (only Ineligible messages for LTV/CLTV/HCLTV ratios or minimum representative credit scores are eligible)
Income Documentation Guidelines:
Income must be documented in the DU Findings Report. The minimum requirements issued by DU are as follows:
Salary/Bonus/Overtime: 1 current pay stub and a verbal verification of employment (VVOE)
Commission/Self-Employment – 1 year federal income tax returns Ineligible Transactions:
Loans with new subordinate financing Loans receiving Expanded Approval findings
The mortgage being refinanced was a restructured mortgage Property Listing Requirements:
Eligible for maximum LTV ratios for all occupancies as long as the loan file includes evidence to show the property was taken off the market at least one day prior to the application date.
This program is not subject to EverBank property listing requirements – the subject property can be listed for sale at the time of application and at closing.
Multiple Financed Properties:
Existing FNMA-owned loans which currently have split premium MI or Financed MI are NOT eligible for Refi Plus. Loans insured by CMG or UGIC are ineligible.
There is no limitation on the maximum number of financed properties a borrower may have.
DEBT RATIOS No maximum; as determined by DU QUALIFYING RATE AND
PAYMENT
Fully Amortized 5/1- Qualify at the greater of the note rate + 2% or the fully indexed rate.
Fully Amortized 7/1, & 10/1 ARMs: Qualify at note rate
In all cases, the qualifying payment should be reflected in the housing and debt ratios and noted as such on the Transmittal Summary (Form 1008).
MINIMUM DOWN PAYMENT Not applicable
GIFT DOCUMENTATION Gift letter, signed by the donor that includes the amount of the gift, date the funds were transferred, a statement that no repayment is expected, the donor‟s
name/address/phone number and relationship to the borrower. INTERESTED PARTY
CONTRIBUTIONS
Not applicable
RESERVES As determined by DU
Note: For 401-K funds or qualified employer plans considered as reserves, the conditions under which the funds may be withdrawn or borrowed must be verified and documented within the credit package.
SUBORDINATE FINANCING All existing subordinate financing must be re-subordinated. It cannot be paid off as part of a DU Refi Plus transaction
No new subordinate financing is permitted No maximum CLTV/HCLTV
The following subordinate financing terms are acceptable under this program only: Mortgages with negative amortization
Subordinate financing with prepayment penalties
Subordinate financing that does not fully amortize under a level monthly payment where the maturity or balloon payment date is less than five years. LTV/CLTV/HCLTV definitions are outlined below:
LTV: Obtained by dividing the first lien amount by the appraised value
CLTV: Obtained by dividing the first lien amount plus the disbursed amount of the HELOC and any other secondary financing by the appraised value
HCLTV: Obtained by dividing the first lien amount plus the total HELOC credit line limit and any other secondary financing by the appraised value
*All CLTV limits must first be satisfied in order to be eligible for HCLTV limits.
REFINANCE DEFINITIONS Limited Cash-Out Refinance: Pay off of 1st Lien regardless of age
No subordinate financing may be paid off with the proceeds of the new mortgage Pay related closing costs, prepaid items and points
Disbursed cash out to borrower not to exceed $250 CONSTRUCTION TO PERM Not applicable
4506-T Form 4506-T is required to be signed at application and closing for all loans. IRS tax return transcripts must be obtained to validate filed earnings per DU documentation requirements.
CREDIT REPORT & CREDIT SCORE REQUIREMENTS
A residential mortgage credit report or tri-merged report conforming to all FNMA requirements may be used.
The “Representative” FICO score for all qualifying borrowers is determined as follows:
One Borrower: Lowest of 2 or middle of 3 FICOs obtained
Multiple Borrowers: Lowest “applicable” FICO among ALL borrowers used to determine “representative” FICO for product eligibility Minimum Credit Score requirements: No minimum credit score required ADVERSE CREDIT POLICY Judgments/Garnishments: All must be satisfied prior to closing
Collections/Charge-offs: DU Loans
o 1 Unit, Primary Residence – Collection and charge-off accounts are not required to be paid off, regardless of the amount, provided the account does not
threaten the subject loan‟s first lien position.
o 2 – 4 Unit Primary Residence and Second Home – Accounts totaling up to $5,000 in aggregate may remain unpaid; all others must be satisfied prior to closing.
o Investment property - Accounts up to $250 per account or $1000 in aggregate may remain unpaid; all others must be satisfied prior to closing.
Please refer to the DU findings report for any adverse credit policy messages. AGE OF CREDIT PACKAGE &
APPRAISAL DOCUMENTS
The credit package must be no older than 90 days to the note date.
All appraisal documentation (including a Property Fieldwork Waiver (PFW)) must be no older than 120 days to the note date.
PFW - When offered and executed, all loans should apply and select the PIW Flag in the LOS for correct identification.
ESCROWS Required unless LTV is 80% or less- subject to price adjustment, refer to rate sheet TEMPORARY BUYDOWNS Ineligible
PREPAYMENT PENALTY None
POWER OF ATTORNEY Eligible:
Production Closer approval required Follow agency and published standards ASSUMABILITY Fixed Rate: Not Assumable
5/1, 7/1 and 10/1 ARMs: Assumable with borrower qualification and lender approval after initial fixed period
DISCLOSURES Fixed Rate: Standard Disclosure Package 5/1 ARM: 1 year LIBOR 51525 7/1 ARM: 1 year LIBOR 71525 10/1 ARM: 1 year LIBOR 10525
TEXAS CASH OUT REFINANCE OPTION: Application Disclosures:
Notice Concerning Extension of Credit - used to calculate 12 day cooling off period. Signatures are required on this form and the application to proceed with processing the application. The loan cannot close until after the 12 day period and the 1 day HUD-1 review period.
Borrower’s Election of Method for Determination of Fair Market Value is provided to the borrower(s) to give him or her, the opportunity to understand our requirements for determining the value in his or her homestead. Another form will be signed at closing acknowledging the value.
Discount Point Acknowledgment is provided if the borrower(s) has agreed to pay discount points. The form explains that the borrower(s) is paying the discount points in exchange for a lower interest rate.
Closing Disclosures:
These disclosures are in addition to those customarily provided in a closing package. The borrower and each borrower‟s spouse must sign every form, even if the spouse is not an applicant.
Acknowledgement Regarding Fair Market Value of Homestead Property – this form is signed by the borrower(s) as evidence that he or she agrees with the value assigned to the homestead.
Home Equity Receipt of Copies – the borrower(s) is required to receive one copy of each document executed at closing. This is the borrower(s)
acknowledgement as to receipt of those documents.
Home Equity Affidavit and Agreement – in this document, the borrower(s) acknowledges that the loan conforms to the Constitutional requirements and that he or she has received all required disclosures.
Home Equity Acknowledgement of Advance Copy of Final Itemization of Fees and Charges – in this document the borrower(s) acknowledges that he or she did in fact receive a HUD-1 at least 1 day prior to signing the closing documents.
Existing Debt – this form is required if the HUD-1 includes payoffs. Discount Point Acknowledgment – this form is required if the HUD-1 includes discount points.
TX Cash-out Waiver of HUD-1 One-day – this form is required if the HUD-1 is changed at the time of closing and the borrower wishes to waive the
additional 1-day review period. CLOSING PACKAGE NAME Fixed Rate: Conventional Fixed Rate
Texas Cash Out Refinance: TXCORF Texas Cash Out Refinance 5/1 ARM: 5/1 year LIBOR NonConvrt 525 caps/MAPS
7/1 ARM: 7/1 year LIBOR NonConvrt 525 caps/MAPS 10/1 ARM: 10/1 year LIBOR NonConvrt 525 caps
NOTES AND RIDERS Fixed Rate: Multistate Fixed Rate Note # 3200 (or state specific as required) 5/1 ARM: Note 3528 & Rider 3187
7/1 ARM: Note 3528 & Rider 3187 10/1 ARM: Note 3528 & Rider 3187 LOAN DELIVERY CODING -
SPECIAL FEATURE CODES (SFC)
Loan Delivery SFC codes MUST be submitted to FNMA as follows: 147 - DU Refi Plus Program
807 - Property Fieldwork Waiver Exercised ($75.00) PIW Flag Set 95 - NO MI Code -All LTV‟s over 80.01% without MI
304 – Texas Cash Out Refinance 588 – Detached Condominiums FNMA Unique Project Type Codes:
V - Condominiums (Underwriter to place on 1008- Pending LOS updates) E - PUD‟s
ORIGINATION CHANNELS (A) All Production Channels ORIGINATION CHANNELS -
TEXAS CASH OUT OPTION (B)
EverBank Wholesale – Dallas, TX office only
ELIGIBILITY MATRIX
For loans receiving a Property Fieldwork Waiver (PFW) FULLY AMORTIZED FIXED RATE
Limited Cash-Out Refinance
Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO
Primary Residence
1 No Limit No limit N/A
Second Home Investment
FULLY AMORTIZED ARMS Limited Cash-Out Refinance
Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO
Primary Residence
1 105% No limit N/A
Second Home Investment
For loans with LPMI or when an appraisal is required (Rev. 4/2012)
FULLY AMORTIZED FIXED RATE AND ARMS Limited Cash-Out Refinance
Occupancy Number of Units LTV CLTV/HCLTV Minimum FICO
Primary Residence 1-4
100 No limit N/A
Second Home 1
Investment 1-4
HIGH BALANCE HIGH-COST AREA MAXIMUM LOAN AMOUNTS
State County Name 1 Unit Limit 2 Unit Limit 3 Unit Limit 4 Unit Limit
California Alameda 625,500 800,775 967,950 1,202,925 Alpine 463,450 593,300 717,150 891,250 Contra Costa 625,500 800,775 967,950 1,202,925 El Dorado 474,950 608,000 734,950 913,350 Los Angeles 625,500 800,775 967,950 1,202,925 Marin 625,500 800,775 967,950 1,202,925 Mono 529,000 677,200 818,600 1,017,300 Monterey 483,000 618,300 747,400 928,850 Napa 592,250 758,200 916,450 1,138,950 Nevada 477,250 610,950 738,500 917,800 Orange 625,500 800,775 967,950 1,202,925 Placer 474,950 608,000 734,950 913,350 Sacramento 474,950 608,000 734,950 913,350 San Benito 625,500 800,775 967,950 1,202,925 San Diego 546,250 699,300 845,300 1,050,500 San Francisco 625,500 800,775 967,950 1,202,925 San Luis Obispo 561,200 718,450 868,400 1,079,250
San Mateo 625,500 800,775 967,950 1,202,925
Santa Clara 625,500 800,775 967,950 1,202,925 Santa Cruz 625,500 800,775 967,950 1,202,925 Sonoma 520,950 666,900 806,150 1,001,850 Ventura 598,000 765,550 925,350 1,150,000 Yolo 474,950 608,000 734,950 913,350 Colorado Eagle 625,500 800,775 967,950 1,202,925 Hinsdale 427,800 547,650 662,000 822,700 Lake 625,500 800,775 967,950 1,202,925 Ouray 425,500 544,700 658,450 818,250 Pitkin 625,500 800,775 967,950 1,202,925 Routt 625,500 800,775 967,950 1,202,925 San Miguel 625,500 800,775 967,950 1,202,925 Summit 625,500 800,775 967,950 1,202,925 Connecticut Fairfield 601,450 769,950 930,700 1,156,650
District of Columbia District of Columbia 625,500 800,775 967,950 1,202,925
Florida Collier 448,500 574,150 694,000 862,500 Monroe 529,000 677,200 818,600 1,017,300 Georgia Greene 515,200 659,550 797,250 990,800 Hawaii Honolulu 721,050 923,050 1,115,800 1,386,650 Kalawao County 626,750 802,350 969,850 1,205,300 Kauai 713,000 912,750 1,103,350 1,371,150 Maui 626,750 802,350 969,850 1,205,300 Idaho Blaine 625,500 800,775 967,950 1,202,925 Teton 625,500 800,775 967,950 1,202,925
Maryland Anne Arundel 494,500 633,050 765,200 950,950
Baltimore City 494,500 633,050 765,200 950,950 Baltimore 494,500 633,050 765,200 950,950 Calvert 625,500 800,775 967,950 1,202,925 Carroll 494,500 633,050 765,200 950,950 Charles 625,500 800,775 967,950 1,202,925 Frederick 625,500 800,775 967,950 1,202,925 Harford 494,500 633,050 765,200 950,950 Howard 494,500 633,050 765,200 950,950 Montgomery 625,500 800,775 967,950 1,202,925 Prince George's 625,500 800,775 967,950 1,202,925 Queen Anne's 494,500 633,050 765,200 950,950 Massachusetts Bristol 426,650 546,200 660,200 820,500 Dukes 625,500 800,775 967,950 1,202,925 Essex 465,750 596,250 720,700 895,700 Middlesex 465,750 596,250 720,700 895,700 Nantucket 625,500 800,775 967,950 1,202,925 Norfolk 465,750 596,250 720,700 895,700 Plymouth 465,750 596,250 720,700 895,700 Suffolk 465,750 596,250 720,700 895,700
New Hampshire Rockingham 465,750 596,250 720,700 895,700
Strafford 465,750 596,250 720,700 895,700
New Jersey Bergen 625,500 800,775 967,950 1,202,925
Essex 625,500 800,775 967,950 1,202,925 Hudson 625,500 800,775 967,950 1,202,925 Hunterdon 625,500 800,775 967,950 1,202,925 Middlesex 625,500 800,775 967,950 1,202,925 Monmouth 625,500 800,775 967,950 1,202,925 Morris 625,500 800,775 967,950 1,202,925 Ocean 625,500 800,775 967,950 1,202,925 Passaic 625,500 800,775 967,950 1,202,925 Somerset 625,500 800,775 967,950 1,202,925 Sussex 625,500 800,775 967,950 1,202,925 Union 625,500 800,775 967,950 1,202,925
New York Bronx 625,500 800,775 967,950 1,202,925 Kings 625,500 800,775 967,950 1,202,925 Nassau 625,500 800,775 967,950 1,202,925 New York 625,500 800,775 967,950 1,202,925 Putnam 625,500 800,775 967,950 1,202,925 Queens 625,500 800,775 967,950 1,202,925 Richmond 625,500 800,775 967,950 1,202,925 Rockland 625,500 800,775 967,950 1,202,925 Suffolk 625,500 800,775 967,950 1,202,925 Westchester 625,500 800,775 967,950 1,202,925
North Carolina Camden 625,500 800,775 967,950 1,202,925
Currituck 458,850 587,400 710,050 882,400
Hyde 483,000 618,300 747,400 928,850
Pasquotank 625,500 800,775 967,950 1,202,925
Perquimans 625,500 800,775 967,950 1,202,925
Pennsylvania Pike 625,500 800,775 967,950 1,202,925
Rhode Island Bristol 426,650 546,200 660,200 820,500
Kent 426,650 546,200 660,200 820,500
Newport 426,650 546,200 660,200 820,500
Providence 426,650 546,200 660,200 820,500
Washington 426,650 546,200 660,200 820,500
Utah Salt Lake 600,300 768,500 928,950 1,154,450
Summit 600,300 768,500 928,950 1,154,450 Tooele 600,300 768,500 928,950 1,154,450 Virginia Albemarle 437,000 559,450 676,200 840,400 Alexandria 625,500 800,775 967,950 1,202,925 Amelia 535,900 686,050 829,250 1,030,600 Arlington 625,500 800,775 967,950 1,202,925 Caroline 535,900 686,050 829,250 1,030,600 Charles City 535,900 686,050 829,250 1,030,600 Charlottesville 437,000 559,450 676,200 840,400 Chesapeake 458,850 587,400 710,050 882,400 Chesterfield 535,900 686,050 829,250 1,030,600 Clarke 625,500 800,775 967,950 1,202,925 Colonial Height 535,900 686,050 829,250 1,030,600 Cumberland 535,900 686,050 829,250 1,030,600 Dinwiddie 535,900 686,050 829,250 1,030,600 Fairfax Ind 625,500 800,775 967,950 1,202,925 Fairfax 625,500 800,775 967,950 1,202,925 Falls Church 625,500 800,775 967,950 1,202,925 Fauquier 625,500 800,775 967,950 1,202,925 Fluvanna 437,000 559,450 676,200 840,400 Fredericksburg 625,500 800,775 967,950 1,202,925 Gloucester 458,850 587,400 710,050 882,400 Goochland 535,900 686,050 829,250 1,030,600 Greene 437,000 559,450 676,200 840,400 Hampton 458,850 587,400 710,050 882,400 Hanover 535,900 686,050 829,250 1,030,600 Henrico 535,900 686,050 829,250 1,030,600 Hopewell 535,900 686,050 829,250 1,030,600 Isle Of Wight 458,850 587,400 710,050 882,400 James City 458,850 587,400 710,050 882,400
King and Queen 535,900 686,050 829,250 1,030,600 King William 535,900 686,050 829,250 1,030,600 Lancaster 442,750 566,800 685,100 851,450 Loudon 625,500 800,775 967,950 1,202,925 Louisa 535,900 686,050 829,250 1,030,600 Manassas Park 625,500 800,775 967,950 1,202,925 Manassas 625,500 800,775 967,950 1,202,925
Mathews 458,850 587,400 710,050 882,400 Nelson 437,000 559,450 676,200 840,400 New Kent 535,900 686,050 829,250 1,030,600 Newport News 458,850 587,400 710,050 882,400 Norfolk 458,850 587,400 710,050 882,400 Petersburg 535,900 686,050 829,250 1,030,600 Poquoson 458,850 587,400 710,050 882,400 Portsmouth 458,850 587,400 710,050 882,400 Powhatan 535,900 686,050 829,250 1,030,600 Prince George 535,900 686,050 829,250 1,030,600 Prince William 625,500 800,775 967,950 1,202,925 Richmond Ind 535,900 686,050 829,250 1,030,600 Spotsylvania 625,500 800,775 967,950 1,202,925 Stafford 625,500 800,775 967,950 1,202,925 Suffolk 458,850 587,400 710,050 882,400 Surry 458,850 587,400 710,050 882,400 Sussex 535,900 686,050 829,250 1,030,600 Virginia Beach 458,850 587,400 710,050 882,400 Warren 625,500 800,775 967,950 1,202,925 Williamsburg 458,850 587,400 710,050 882,400 York 458,850 587,400 710,050 882,400 Washington King 506,000 647,750 783,000 973,100 Pierce 506,000 647,750 783,000 973,100 San Juan 483,000 618,300 747,400 928,850 Snohomish 506,000 647,750 783,000 973,100
West Virginia Jefferson 625,500 800,775 967,950 1,202,925
