Purpose of Loan 30 YR 15 YR 5/1 Purchase Loan 3.250 2.625 2.250 Refinance Loan 3.375 2.750 2.375 Loan $ >=400K, FICO>=740, LTV<=75%, primary residence. There is no point, no fee for refinance but there is fee for purchase loan ( purchase rate is 15-day based). Refinance rates are based on SFH and GC or Citizens conditions. Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home), LTV and other conditions. High Balance Loan (<=625k) Purpose of Loan 30 YR 15 YR 5/1 Purchase Loan 3.500 2.875 2.750 Refinance Loan 3.500 2.875 2.750 The rates are based on criterion below and good for the time when they are quoted: Loan $ >=600K, FICO>=740, LTV<=75%, primary residence. There is no point, no fee for refinance but there is fee for purchase loan ( purchase rate is 15-day based). Refinance rates are based on SFH and GC or Citizens conditions. Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home), LTV and other conditions. _____________________________________ Contact: Jing Sun jingsunloan@gmail.com 626.538.5688 DRE 01880010 NMLS 339172 ______________________________________ If you need to get real-time rate for your specific loan, please include the answers to following questions into your email and send it to jingsunloan@gmail.com. It will be answered within 24 hours. 1) Loan amount 2) Self-occupied or Investment or second home 3)Single Family House or Condo 4)Self-estimated FICO score 5)Expected LTV (loan to value of house) 6) W-2 or Self employed 7) Expected yearly DTI (Debt to income) ratio 8) Any other houses or loans 9) Type of loan you are interested(refi/new, 30,15,3/1,5/1, 7/1) 10) Is this for cash out? 11) What is your current mortgage rate and when did you get it? 12) Do you want impound account? 13) Status (Citizen, Green Card or H1-b)
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