Conforming loan (<=$417k) Purpose of Loan 30 YR 15 YR 5/1 7/1 Purchase Loan 3.750 3.000 2.625 3.125 Refinance Loan 3.875 3.125 2.750 3.250 The rates are based on criterion below and good for the time when they are quoted: Loan$>=400K,FICO>=740,LTV<=60%,O/O,30-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 3.875 3.125 2.875 3.125 Refinance Loan 4.000 3.250 3.000 3.250 The rates are based on criterion below and good for the time when they are quoted: Loan$>=600K,FICO>=740,LTV<=60%,O/O,30-day,impound There is no point, no fee for refinance but there is fee for purchase loan. Some rates require GC/Citizen. Rate change is subject to loan amount, impound, property type(SFH vs Condo), financing purpose (cash out),occupancy type ( investment or second home),GC/Citizen, LTV and other conditions. Jumbo Loan ( Up to 2M)
Purpose of Loan 30 YR 15 YR 5/1 7/1 Purchase Loan 4.375 3.750 2.875 3.125 Refinance Loan 4.500 3.875 3.000 3.250 The rates are based on criterion below and good for the time when they are quoted: Loan$>=729K,FICO>=760,LTV<=60%,O/O,30-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. Contact: Jing Sun jingsunloan@gmail.com 949.680.0818 BRE 01880010 |