個人資料
正文

【方圓貸款利率—CA、TX、FL】06月15日 星期三

(2016-06-15 14:04:04) 下一個

SUMMARY:今天(06月15日星期三)開盤時的房貸利率價格和上個工作日相比稍好。目前
重新貸款40萬左右的利率,30年固定利率穩定在3.500%,15年固定利率穩定在2.750%,
5/1 ARM穩定在2.875%。購房貸款40萬左右,30年固定的利率穩定為3.375%,15年固定
上漲為2.750%,5/1 ARM穩定為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      3.125
>$417K      3.625    2.875    3.375     2.750    3.375      3.375
Jumbo        4.125    3.500     -----        ------    3.250     3.250
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.875    3.500    2.750     3.125        3.375
>$417K      4.050     3.500    3.875       ------      ------       4.250
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.500    2.625       2.875
APR           3.419    2.687    3.278    2.518     2.666      2.918
                     
>$417K      3.625    2.750    3.375       2.750     2.875        3.375
APR           3.625    2.801    3.392       2.767     2.910        3.401
                        
Jumbo        3.990     3.375     -----       -----     3.125       3.125
APR            4.011     3.411     -----       -----     3.147       3.143
     
                                                       
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    3.375        3.625
APR           3.765    3.080    3.631    3.037    3.421        3.773





******************************** 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    3.500    2.875    3.500    2.750     3.000        3.375
>$417K      4.250       -----      ------        -----     3.500      3.750
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750   3.125    3.625    2.875       3.750      3.625
>$417K      4.375      -----      ------      -------       3.625     3.875

                        
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           3.390    2.705    3.249    2.480    2.646       2.911
                        
>$417K      3.990    3.375    -----       ------     3.125       3.125
APR           4.007     3.404    -----      ------     3.132       3.138
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.000    3.500    2.875    3.375       3.625
APR           3.660    3.045    3.563    2.989    3.401       3.661


******************************** 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    3.750    3.000    3.500    2.875    3.625        3.625
>$417K      4.500      ------      ------      ------    ------       ----- 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250   3.750     3.000     -----         3.875 
>$417K      4.500     ------      ------     ------     ------        ----- 
                        
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        2.990
APR           3.416    2.709    3.274    2.473    2.664        3.028
                        
>$417K      3.990    3.375    -----      ------    3.125         3.125
APR           4.009    3.409    -----      ------     3.137        3.142
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625    2.875    3.375       3.625
APR           3.804    3.196    3.657    2.982    3.420       3.675


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
 

[ 打印 ]
閱讀 ()評論 (0)
評論
博主已隱藏評論
博主已關閉評論