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【方圓貸款利率—CA、TX、FL】04月29日星期五

(2016-04-29 16:44:13) 下一個

SUMMARY:今天(4月29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40萬左右的利率,30年固定利率穩定在3.625%,15 年固定下降為2.750%,5/1 ARM仍
為3.000%。購房貸款40萬左右,30年固定的利率下降為3.500%,15年固定穩定在2.750%,
5/1 ARM穩定在2.750%

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    3.625    2.750    3.500    2.750    3.000      3.250
>$417K      3.750    3.000    3.625     3.000    3.125      3.500
Jumbo        4.125    3.625    4.000       ------    3.000     3.375
  
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.500    2.875     3.250        3.500
>$417K      4.125     3.625    4.125      ------     3.125       3.500
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625    2.750       2.875
APR           3.512    2.735    3.405    2.657     2.791       2.925
                     
>$417K      3.625    2.875    3.500       2.875     3.000        3.250
APR           3.669    2.938    3.523       2.949     3.027        3.297
                        
Jumbo        4.000     3.375     3.875       -----     2.875       3.250
APR            4.026     3.444     3.930       -----     2.907       3.273
                                                            
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625   3.000    3.625        3.875
APR           3.803    3.164    3.698    3.083    3.672        3.901


******************************** 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    3.625    2.875    3.500    2.750     3.250        3.500
>$417K      4.500      4.000     4.500       -----     3.375      3.625
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.250    3.625    3.000       3.875      3.875
>$417K      4.500     4.000     4.500     ------      3.375     3.625
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.375    2.500    2.750       2.875
APR           3.425    2.713    3.367    2.613    2.771       2.923
                        
>$417K      4.000    3.500    4.000       ------     3.000       3.125
APR           4.000     3.513    4.025      ------     3.012       3.132
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625    3.000    3.000       3.375
APR           3.770    3.071    3.667    3.025    3.046       3.412



******************************** 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    3.875    3.250    3.625    3.000     3.875        3.875
>$417K      4.875      ------      ------      ------    4.000     4.250 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.000    3.375   3.750     3.250     ------       4.375 
>$417K      4.875     ------      ------     ------     4.000        4.250 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.500    2.750        3.125
APR           3.546    2.808    3.391    2.606    2.789        3.161
                        
>$417K      4.000    3.500    4.000      ------    3.000         3.125
APR           4.005    3.522    4.026      ------     3.013        3.137
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250    3.625    3.000    3.000       3.375
APR           3.930    3.327    3.699    3.138    3.046       3.412


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。

方圓貸款NMLS ID: 231959

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