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【方圓貸款利率—CA、MD、VA】6月12日星期三

(2013-06-12 11:25:07) 下一個
方圓貸款今日房貸利率(CA、MD、VA)
SUMMARY:今天(6月12日星期三)利率價格和昨天相比稍微變好。目前重新貸款40萬左右的利率30年固定略降為3.875%,15 年固定仍為3.125%,5/1 ARM仍為2.875%購房貸款40萬左右,30年固定的利率仍為3.875%,15年固定略降為2.875%,5/1 ARM仍為2.5%

注:除非特別說明,以下列出的利率都是基於本帖底部的貸款參數,並且是帶impound account的利率。
 
********************* CALIFORNIA *********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.875 3.000 2.875 3.250
>$417K 4.125 3.375               2.875 3.250
Jumbo                             3.000 3.750
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 2.875 3.750 2.875 2.500 2.875
APR 3.952 3.009 3.857 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500 3.000
APR 4.066 3.239               2.560 3.062
             
Jumbo                             2.875 3.625
APR                             2.929 3.681
                                           
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125              
APR 4.209 3.395 4.116 3.336              
             
********************** MARYLAND **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.875 3.000 2.875 3.250
>$417K 4.125 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 2.875 3.750 2.875 2.500 2.875
APR 3.952 3.009 3.857 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500 3.000
APR 4.066 3.239               2.560 3.062
             
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125              
APR 4.209 3.395 4.116 3.336              
             
********************** VIRGINIA **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.000 2.875 3.250
>$417K 4.125 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 2.875 3.750 2.875 2.500 2.875
APR 3.952 3.009 3.857 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500       
APR 4.066 3.239               2.560       
             
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 4.000 3.125              
APR 4.083 3.395 4.116 3.336              
             
Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.

Rates above are based on the following assumptions:

1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
2. Loan-To-Value (LTV): 
    - <=75% for Primary Residence Conforming Refinance & Purchase;
    - <=70% for Primary Residence Conforming Cash-Out Refinance;
    - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
    - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
    - <=75% for Investment Property Conforming Purchase;
    - <=65% for Jumbo Refi & Purchase.
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)

For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.

注:以上凡是沒有表明利率的loan program,意味著該program做不了no point的貸款,需要收point才能做。
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