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【方圓貸款利率—CA、TX、FL】06月17日星期五

(2016-06-17 10:09:34) 下一個

SUMMARY:今天(06月17日星期五)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穩定為2.750%。購房貸款40萬左右,30年固定的利率穩定為3.375%,15年固定
穩定為2.625%,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    2.750      3.125
>$417K      3.625    2.875    3.375     2.750    3.250      3.375
Jumbo        4.125    3.500     -----        ------    3.000     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        3.250
>$417K      3.990     3.500    3.875       ------      4.000       4.125
    
                    
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           3.409    2.722    3.279    2.529     2.662      2.918
                     
>$417K      3.500    2.750    3.375       2.750     3.125        3.375
APR           3.535    2.808    3.382       2.766     3.157        3.392
                        
Jumbo        4.000     3.250     -----       -----     3.000       3.000
APR            4.010     3.321     -----       -----     3.036       3.039
     
                                                       
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    3.098    3.631    3.064    3.418        3.679





******************************** 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        3.250
>$417K      -----       -----      ------        -----     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    3.500    2.875       3.500      3.500
>$417K      4.625      -----      ------      -------       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           3.380    2.687    3.250    2.491    2.642       2.901
                        
>$417K      4.000    3.375    -----       ------     3.125       3.125
APR           3.998     3.390    -----      ------     3.126       3.130
                        
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    3.063    3.563    3.000    3.397       3.655


******************************** 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    3.125    3.500    2.875    3.625        3.500
>$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    3.875    3.250   3.625     3.000     3.875         3.875 
>$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    3.375    2.625    3.250    2.500    2.625        2.990
APR           3.424    2.715    3.268    2.484    2.661        3.020
                        
>$417K      4.000    3.375    -----      ------    3.125         3.125
APR           4.001    3.399    -----      ------     3.131        3.134
                        
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           3.799    3.203    3.650    2.993    3.416       3.668


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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