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【方圓貸款利率—CA、TX、FL】05月13日 星期五

(2016-05-13 10:09:14) 下一個

SUMMARY:今天(05月13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年固定利率維持在3.500%,15年固定維持為2.750%,5/1 ARM
穩定在2.875%。購房貸款40萬左右,30年固定的利率維持為3.500%,15年固定穩定在2.
750%,5/1 ARM穩定在2.625%。

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    3.500    2.750    3.375    2.625    2.875      3.250
>$417K      3.625    2.875    3.500     2.875    3.000      3.375
Jumbo        4.000    3.500    3.875       ------    2.875     3.250
 
 
                       
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    2.750     3.125        3.375
>$417K      4.125     3.375    4.000      ------     3.000       3.375
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.250    2.500    2.625       2.875
APR           3.501    2.699    3.277    2.598     2.676       2.906
                    
>$417K      3.625    2.875    3.375       2.750     2.875        3.125
APR           3.634    2.899    3.431       2.859     2.901        3.172
                       
Jumbo        3.875     3.250     3.750       -----     2.750       3.125
APR            3.904     3.313     3.804       -----     2.782       3.148
                                                           
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    2.875        3.125
APR           3.792    3.075    3.684    3.030    2.910        3.181

 


******************************** 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     3.125        3.375
>$417K      4.375      4.000     4.375       -----     3.250      3.500
                       
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    3.250       3.625      3.750
>$417K      4.375     4.000     4.375     ------      3.250     3.500
--
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.250    2.500    2.625       2.875
APR           3.404    2.695    3.306    2.571    2.656       2.904
                       
>$417K      4.000    3.375    3.875       ------     2.875       3.125
APR           3.984     3.391    3.900      ------     2.887       3.122
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625    2.875    2.875       3.250
APR           3.760    3.035    3.629    2.978    2.920        3.286

 

******************************** 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    3.250     3.625        3.750
>$417K      4.750      ------      ------      ------    3.750        4.125
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.950    3.375   3.750     3.500     ------        3.990
>$417K      4.750     ------      ------     ------     3.875        4.125
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.250    2.750    2.875        3.125
APR           3.508    2.760    3.323    2.556    2.921        3.155
                       
>$417K      4.000    3.500    3.875      ------    2.875         3.250
APR           3.988    3.533    3.901      ------     2.888        3.253
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250    3.625    3.250    2.875       3.250
APR            3.902    3.336    3.649    3.389    2.921       3.287


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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