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【方圓貸款利率—CA、MD、VA、TX、FL】10月14日星期一

(2013-10-14 10:09:08) 下一個
方圓貸款今日房貸利率(CA、FL、MD、TX、VA)
SUMMARY:今天(10月14日星期一)由於今天為哥倫布日, 各大lender照常工作,但除
個別lender外,利率不更新,並且不在今天放款或鎖定利率, 所以除Fixed program更
新外,利率仍維持為上周五水準 (ARM program)
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。


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 *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.750
>$417K 4.375 3.375 ------ ------ 3.250 3.875
Jumbo 4.750 3.875 ------ ------ 3.250 3.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.875
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125 2.875 3.375
APR 4.173 3.333 4.066 3.246 2.920 3.421
             
>$417K 4.250 3.375 ------ ------ 2.875 3.500
APR 4.317 3.490 ------ ------ 2.937 3.564
             
Jumbo 4.625 3.625 ------ ------ 3.125 3.250
APR 4.685 3.727 ------ ------ 3.180 3.305
                                           
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 2.875 3.750
APR 4.460 3.646 4.367 3.587 2.920 3.797
 
****************************** MARYLAND ******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.750
>$417K 4.375 3.500 ------ ------ 3.250 3.875
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.375 3.875
>$417K ------ ------ ------ ------ 3.375 4.000
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125 2.875 3.375
APR 4.160 3.310 4.048 3.212 2.920 3.421
             
>$417K 4.250 3.375 ------ ------ 2.875 3.500
APR 4.317 3.490 ------ ------ 2.937 3.564
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 2.875 3.750
APR 4.460 3.646 4.367 3.587 2.920 3.797
 
******************************** VIRGINIA ********************************
(Based on Conforming loan $380K, High-Balance loan $550K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.375 3.875
>$417K 4.375 3.625 ------ ------ 3.375 4.000
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.250 3.375 3.375 3.875
>$417K ------ ------ ------ ------ 3.375 4.000
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125 2.875 3.375
APR 4.158 3.308 4.046 3.209 2.920 3.421
             
>$417K 4.250 3.375 ------ ------ 2.875 3.500
APR 4.317 3.490 ------ ------ 2.937 3.564
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 2.875 3.750
APR 4.460 3.646 4.367 3.587 2.920 3.797
 
******************************** TEXAS ********************************
(Based on Conforming Loan $200K, Jumbo Loan $500K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 3.375 ------
>$417K 4.375 3.500 ------ ------ 3.375 ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125 2.875 ------
APR 4.182 3.349 4.079 3.268 2.928 ------
             
>$417K 4.250 3.375 ------ ------ 2.875 ------
APR 4.273 3.415 ------ ------ 2.937 ------
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 2.875 3.750
APR 4.433 3.600 4.329 3.519 2.920 3.797
             
******************************** FLORIDA ********************************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.625 4.375 3.500 3.375 3.875
>$417K 4.375 3.500 ------ ------ 3.375 4.000
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 4.000 3.125 2.875 3.375
APR 4.184 3.351 4.081 3.272 2.928 3.431
             
>$417K 4.250 3.375 ------ ------ 2.875 3.500
APR 4.274 3.416 ------ ------ 2.937 3.564
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 2.875 3.750
APR 4.434 3.602 4.331 3.523 2.920 3.797
             
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: See detailed loan amounts under the State name above;
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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