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【方圓貸款利率—CA、TX、FL】06月30日星期四

(2016-06-30 11:48:18) 下一個

SUMMARY:今天(06月30日星期四)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3.375%,15年固定利率穩定在2.750%,
5/1 ARM上升為3.000%。購房貸款40萬左右,30年固定的利率穩定為3.375%,15年固定
穩定為2.625%,5/1 ARM上升為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    3.375    2.750    3.250    2.500    2.750      3.000
>$417K      3.550    2.875    -----     -----    3.500      3.500
Jumbo        4.000    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    2.750    3.375    2.625     3.500        3.500
>$417K      3.950     3.375    -----       ------      -----      -----
    
                    
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           3.365    2.679    3.238    2.487     3.789      2.918
                     
>$417K      3.450    2.750    3.750       -----     3.250        3.375
APR           3.497    2.774    3.768       -----     3.293        3.419
                        
Jumbo        3.875     3.375     -----       -----     3.125       3.125
APR            3.909     3.424     -----       -----     3.153       3.144
     
                                                       
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    -----        3.990
APR           3.670    3.062    3.563    2.998    -----       4.041




******************************** 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    2.750    3.375    2.625     3.500        3.500
>$417K      -----       -----      ------        -----     3.375      3.875
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.125    3.500    2.875       3.750      3.750
>$417K      4.625      -----      ------      -------       3.375    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.250    2.500    2.750       2.875
APR           3.295    2.591    3.234    2.449    2.788       2.919
                        
>$417K      3.875    3.500    -----       ------     2.875       3.000
APR           3.883     3.498    -----      ------     2.887       3.003
                        
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    3.875       3.875
APR           3.640    3.027    3.535    2.958    3.922       3.914




******************************** 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    2.750    3.875        3.750
>$417K      -----      ------      ------      ------    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     -----         4.250 
>$417K      -----     ------      ------     ------     3.625        ----- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.500    3.250    2.500    2.990        3.125
APR           3.385    2.586    3.223    2.442    3.037        3.165
                        
>$417K      3.875    3.500    -----      ------    2.875         3.000
APR           3.888    3.506    -----      ------     2.891        3.007
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.500    2.875    -----       3.875
APR           3.790    3.180    3.572    2.951    -----       3.927


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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