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【方圓貸款利率—CA、TX、FL】07月19日星期二

(2016-07-19 11:27:15) 下一個

SUMMARY:今天(07月19日星期二)開盤時的房貸利率價格和上個工作日相比持平。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3.125%。購房貸款40萬左右,30年固定的利率穩定至3.375%,15年固定
利率穩定在2.625%,5/1 ARM穩定在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    3.375    2.750    3.250    2.625    3.125      3.250
>$417K      3.625    2.750    3.500     3.000     3.250      3.500
Jumbo        4.125    3.500     -----        ------    3.375      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    3.375    2.750     3.250        3.625
>$417K      4.125     3.375    4.375       ------      -----      4.375
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.625       2.750
APR           3.396    2.697    3.249    2.520     2.668      2.793
                     
>$417K      3.500    2.750    3.375       2.750     3.375        3.625
APR           3.546    2.766    3.436       2.810     3.419        3.654
                        
Jumbo        3.875     3.375     -----       -----     3.125       3.125
APR            3.911     3.410     -----       -----     3.163       3.149
     
                                                       
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    3.750        3.875
APR           3.680    3.062    3.577    3.017    3.799       3.915






******************************** 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    3.500    2.750     3.250        3.500
>$417K      -----       -----      ------        -----     3.375      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750   3.000    3.500    2.875       -----      4.125
>$417K      -----      -----      ------      -------       3.500    -----

                        
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    2.625       2.750
APR           3.305    2.589    3.195    2.482    2.668       2.793
                        
>$417K      3.375    3.500    -----       ------     3.000       3.000
APR           3.332     3.493    -----      ------     3.004       3.005
                        
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    3.750       3.875
APR           3.650    2.973    3.549    2.966    3.786       3.893




******************************** 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    -----        4.125
>$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     -----         ----- 
>$417K      -----     ------      ------     ------     3.750        ----- 
                        
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    2.875        3.250
APR           3.396    2.584    3.247    2.475    2.915        3.283
                        
>$417K      3.375    3.500    -----      ------    3.000         3.000
APR           3.336    3.501    -----      ------     3.008        3.009
                        
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    3.750       3.875
APR           3.796    3.172    3.645    2.985    3.790       3.913


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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