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【方圓貸款利率—CA、TX、FL】05月17日 星期二

(2016-05-17 10:02:01) 下一個

SUMMARY:今天(05月17日星期二)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
上升為3.000%。購房貸款40萬左右,30年固定的利率維持為3.500%,15年固定上升為2.
750%,5/1 ARM維持在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    3.500    2.750    3.375    2.625    3.000      3.250
>$417K      3.700    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     3.500    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    3.375    2.500    2.750       2.875
APR           3.491    2.717    3.377    2.595     2.793       2.906
                     
>$417K      3.625    2.875    3.500       2.750     2.875        3.125
APR           3.640    2.892    3.497       2.851     2.901        3.172
                        
Jumbo        3.875     3.375     3.750       -----     2.750       3.125
APR            3.904     3.436     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           3.782    3.093    3.670    3.056    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     3.250        3.500
>$417K      4.375      4.000     4.375       -----     2.625      3.500
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.125    3.625    3.000       3.750      3.750
>$417K      4.375     4.000     4.375     ------      2.625     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    2.750       2.875
APR           3.404    2.695    3.299    2.556    2.773       2.904
                        
>$417K      3.500    3.500    3.875       ------     2.625       3.000
APR           3.456     3.507    3.900      ------     2.887       2.958
                        
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           3.749    3.053    3.638    3.004    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    3.125    3.625    2.875     3.750        3.875
>$417K      4.750      ------      ------      ------    2.625       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     3.125     3.875         4.250 
>$417K      4.750     ------      ------     ------     2.625        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    2.500    2.750        3.125
APR           3.522    2.760    3.322    2.550    2.791        3.167
                        
>$417K      3.500    3.500    3.875      ------    2.625         3.000
APR           3.461    3.516    3.901      ------     2.888        2.962
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.125    3.625    3.000    2.875       3.250
APR           3.911    3.217    3.667    3.063    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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