Conforming loan (<=$417k)
Purpose of Loan 30 YR 15 YR 5/1 7/1 Purchase Loan 3.875 3.000 2.750 3.000 Refinance Loan 4.000 3.125 2.875 3.125 The rates are based on criterion below and good for the time when they are quoted: Loan$>=400K,FICO>=740,LTV<=75%,O/O,25-day,impound
There is no point, no fee for refinance but there is fee for purchase loan. Some rates require GC/Citizen.
Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home),GC/Citizen, LTV and other conditions.
High Balance Loan (<=625k)
Purpose of Loan 30 YR 15 YR 5/1 7/1 Purchase Loan 4.000 3.250 2.875 3.125 Refinance Loan 4.125 3.375 3.000 3.250 The rates are based on criterion below and good for the time when they are quoted: Loan$>=600K,FICO>=740,LTV<=75%,O/O,25-day,impound
There is no point, no fee for refinance but there is fee for purchase loan. Some rates require GC/Citizen.
Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home),GC/Citizen, LTV and other conditions.
Jumbo Loan ( Up to 2M)
Purpose of Loan 30 YR 15 YR 5/1 7/1 Purchase Loan 4.125 3.500 2.875 3.125 Refinance Loan 4.250 3.625 3.000 3.250
The rates are based on criterion below and good for the time when they are quoted: Loan$>=729K,FICO>=760,LTV<=60%,O/O,25-day,impound
There is no point, no fee for refinance but there is fee for purchase loan. Some rates require GC/Citizen.Adding
Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home),GC/Citizen, LTV and other conditions.
Contact:
Jing Sun jingsunloan@gmail.com 949.680.0818
BRE 01880010 NMLS 339172 |