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【方圓貸款利率】8月15日星期四

(2013-08-15 09:32:44) 下一個
方圓貸款今日房貸利率(CA、MD、VA)
SUMMARY:今天(8月15日星期五)開盤時的房貸利率價格和昨天相比變差。目前重新貸款40萬左右的利率,30年固定上漲至4.5%,15年固定維持在3.375%,5/1 ARM上漲至3.75%。購房貸款40萬左右,30年固定的利率上漲至4.375%,15年固定維持在3.25%,5/1 ARM維持在3.375%。
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:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.375 4.375 3.375 3.750 4.000
>$417K 4.625 3.625 ------ ------ 3.750 4.250
Jumbo ------ ------ ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.750 4.125
>$417K ------ ------ ------ ------ 3.750 ------
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.250 4.250 3.250 3.375 3.750
APR 4.455 3.386 4.359 3.447 3.450 3.827
             
>$417K 4.500 3.500 ------ ------ 3.500 3.875
APR 4.568 3.616 ------ ------ 3.564 3.940
             
Jumbo 5.000 ------ ------ ------ 3.125 3.375
APR 5.061 ------ ------ ------ 3.180 3.431
                                           
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.500 4.250
APR 4.711 3.772 4.618 3.712 3.576 4.329
 
******************************** MARYLAND ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.375 4.375 3.375 3.750 4.000
>$417K 4.625 3.625 ------ ------ 3.750 4.250
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.875 4.250
>$417K ------ ------ ------ ------ 3.875 ------
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.250 4.250 3.250 3.375 3.750
APR 4.455 3.386 4.359 3.447 3.450 3.827
             
>$417K 4.500 3.500 ------ ------ 3.500 3.875
APR 4.568 3.616 ------ ------ 3.564 3.940
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.500 4.250
APR 4.711 3.772 4.618 3.712 3.576 4.329
 
******************************** VIRGINIA ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.875 4.250
>$417K 4.625 3.750 ------ ------ 3.875 4.625
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.500 3.875 4.375
>$417K ------ ------ ------ ------ 3.875 ------
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.250 4.250 3.250 3.375 3.875
APR 4.455 3.386 4.359 3.447 3.450 3.952
             
>$417K 4.500 3.500 ------ ------ 3.500 4.250
APR 4.568 3.616 ------ ------ 3.564 4.317
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.500 4.250
APR 4.711 3.772 4.618 3.712 3.576 4.329
             
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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