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【方圓貸款利率—CA、TX、FL】07月11日星期一

(2016-07-11 10:27:13) 下一個

SUMMARY:今天(07月11日星期一)開盤時的房貸利率價格和上個工作日相比稍差。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穩定至2.875%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定
利率穩定在2.625%,5/1 ARM穩定至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    2.625    2.875      3.250
>$417K      3.625    2.750    3.375     2.750      3.250      3.625
Jumbo        4.000    3.375     -----        ------    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    2.750     3.250        3.375
>$417K      4.125     3.375    3.875       ------      -----      4.250
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       3.000
APR           3.300    2.661    3.153    2.521     2.782      2.908
                     
>$417K      3.500    2.750    3.375       2.750     3.250        3.500
APR           3.525    2.767    3.376       2.778     3.285        3.528
                        
Jumbo        3.875     3.250     -----       -----     3.000       3.000
APR            3.908     3.293     -----       -----     3.036       3.033
     
                                                       
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    3.625        3.750
APR           3.660    3.044    3.549    2.991    3.669       3.775





******************************** 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    2.750     3.125        3.375
>$417K      4.625       -----      ------        -----     3.250      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  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      3.750
>$417K      4.250      3.750      ------      -------       3.375    3.250

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.750       2.875
APR           3.285    2.591    3.151    2.483    2.762       2.903
                        
>$417K      3.875    3.375    -----       ------     2.875       3.000
APR           3.882     3.369    -----      ------     2.881       2.989
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.875    3.500    2.875    3.500       3.625
APR           3.630    2.973    3.521    2.940    3.536       3.665



******************************** 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    3.875        3.875
>$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     3.750         4.250 
>$417K      -----     ------      ------     ------     3.625        ----- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.750        3.000
APR           3.302    2.587    3.178    2.476    2.781        3.039
                        
>$417K      3.875    3.375    -----      ------    2.875         3.000
APR           3.886    3.377    -----      ------     2.885        2.993
                        
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    3.625       3.750
APR           3.786    3.172    3.576    2.986    3.668       3.773


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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