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【方圓貸款利率—CA、MD、VA、TX、FL】12月02日星期一

(2013-12-02 09:43:08) 下一個
方圓貸款今日房貸利率(CA、FL、MD、TX、VA)
SUMMARY:今天(12月02日星期一)開盤時的房貸利率價格和上周相比持平。目前重新貸款40萬左右的利率,30年固定穩定在4.375%,15 年固定穩定在3.375%,5/1 ARM穩定在3.125%。購房貸款40萬左右,30年固定的利率穩定在4.25%,15年固定穩定在3.25%,5/1 ARM穩定在2.75%。

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 4.375 3.375 4.250 3.250 3.125 3.625
>$417K 4.500 3.500 ------ ------ 3.125 3.375
Jumbo 4.875 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 4.500 3.375 4.250 3.375 3.125 3.750
>$417K ------ ------ ------ ------ 3.125 3.375
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 2.750 3.250
APR 4.298 3.333 4.191 3.371 2.794 3.296
             
>$417K 4.500 3.500 ------ ------ 2.875 3.250
APR 4.568 3.564 ------ ------ 2.937 3.313
             
Jumbo 4.750 3.625 ------ ------ 3.125 3.250
APR 4.810 3.727 ------ ------ 3.180 3.305
                                           
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.500 3.500 2.875 3.625
APR 4.586 3.646 4.618 3.712 2.920 3.672
 
****************************** 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 4.375 3.375 4.250 3.250 3.125 3.625
>$417K 4.500 3.500 ------ ------ 3.125 3.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.375 4.250 3.375 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 2.750 3.250
APR 4.285 3.310 4.173 3.337 2.794 3.296
             
>$417K 4.500 3.500 ------ ------ 2.875 3.250
APR 4.568 3.564 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.500 3.500 2.875 3.625
APR 4.586 3.646 4.618 3.712 2.920 3.672
 
******************************** 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 4.375 3.375 4.250 3.375 3.250 3.750
>$417K 4.500 3.500 ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 2.750 3.250
APR 4.284 3.308 4.171 3.334 2.794 3.296
             
>$417K 4.500 3.500 ------ ------ 2.875 3.250
APR 4.568 3.564 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.500 3.500 2.875 3.625
APR 4.586 3.646 4.618 3.712 2.920 3.672
 
******************************** 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 4.625 3.500 ------ ------ 3.250 3.750
>$417K 4.500 3.500 ------ ------ 3.250 3.500
             
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 4.250 3.250 4.125 3.250 3.375 3.750
APR 4.307 3.349 4.204 3.394 3.430 3.806
             
>$417K 4.500 3.500 ------ ------ 2.875 3.250
APR 4.568 3.564 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.625 4.500 3.500 2.875 3.625
APR 4.586 3.672 4.549 3.600 2.920 3.672
             
******************************** 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 4.750 3.625 4.375 3.375 3.250 ------
>$417K 4.500 3.500 ------ ------ 3.250 ------
             
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 4.375 3.375 4.250 3.250 3.375 3.750
APR 4.434 3.477 4.331 3.397 3.431 3.807
             
>$417K 4.500 3.500 ------ ------ 2.875 ------
APR 4.568 3.564 ------ ------ 2.937 ------
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.625 4.500 3.500 2.875 3.625
APR 4.586 3.672 4.549 3.600 2.920 3.672
             
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): 
    - <=70% 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. (not first home buyer for purchase)
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=760;
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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