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【方圓貸款利率】8月9日星期五

(2013-08-09 09:43:35) 下一個
方圓貸款今日房貸利率(CA、MD、VA)
SUMMARY:今天(8月9日星期五)開盤時的房貸利率價格和昨日相比持平。目前重新貸款40萬左右的利30年固定穩定在4.25%,15年固定穩定在3.25%,5/1 ARM穩定在3.625%。購房貸款40萬左右,30年固定的利率穩定在4.125%,15年固定維持在3.25%,5/1 ARM穩定在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-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.2504.1253.2503.6253.875
>$417K4.5003.500------------3.6254.000
Jumbo4.7504.000------------3.2503.375
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.6254.000
>$417K------------------------3.6254.000
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.1253.1253.3753.750
APR4.2033.3864.2343.3223.4503.827
       
>$417K4.3753.375------------3.3753.875
APR4.4423.490------------3.4383.940
       
Jumbo4.6253.750------------3.1253.250
APR4.6853.852------------3.1803.305
                                     
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.5004.2503.3753.3754.125
APR4.5863.6464.3673.5873.3754.203
 
******************************** MARYLAND ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.2504.1253.2503.6253.875
>$417K4.5003.500------------3.6254.000
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.1253.2503.7504.000
>$417K------------------------3.750------
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.1253.1253.3753.750
APR4.2033.3864.2343.3223.4503.827
       
>$417K4.3753.375------------3.3753.875
APR4.4423.490------------3.4383.940
       
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.5003.5004.2503.3753.3754.125
APR4.5863.6464.3673.5873.3754.203
 
******************************** VIRGINIA ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.2503.3754.2503.2503.7504.125
>$417K4.5003.500------------3.7504.375
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:  
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.3754.2503.3753.7504.250
>$417K------------------------3.7504.375
       
PRIMARY RESIDENCE - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.1253.1253.2503.750
APR4.2033.3864.2343.3223.3253.827
       
>$417K4.3753.375------------3.3754.125
APR4.4423.490------------3.4384.191
       
INVESTMENT PROPERTY - PURCHASE RATE:   
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.3753.5004.2503.3753.3754.125
APR4.4603.6464.3673.5873.4504.203
       
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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