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【方圓貸款利率—CA、TX】11月29日 星期二

(2016-11-29 17:26:15) 下一個

SUMMARY:今天(11月29日 星期二)開盤時的房貸利率價格和上個工作日相比穩定
。目前重新貸款40萬左右的利率,30年固定利率穩定至4.000%,15年固定利率穩定至
3.250%,5/1 ARM下降至3.375%。購房貸款40萬左右,30年固定的利率穩定至3.875%,
15年固定利率穩定至3.125%,5/1 ARM下降至2.990%.

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 4.000 3.250 3.750 3.000 3.375 3.500
>$417K 4.200 3.375 4.000 3.750 3.500 3.625
Jumbo 4.250 3.750 ------ ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.250 3.625 3.750
>$417K 4.750 4.250 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 2.875 2.990 3.250
APR 3.886 3.169 3.662 3.007 3.026 3.285
 
>$417K 4.050 3.250 4.000 3.500 3.250 3.375
APR 4.081 3.304 4.005 3.614 3.282 3.417
 
Jumbo 4.000 3.625 ------ ------ 3.125 3.375
APR 4.038 3.637 ------ ------ 3.159 3.392
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 3.875 4.125
APR 4.265 3.581 4.026 3.617 3.920 4.177

 

 

******************************* 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 4.125 3.375 3.875 3.250 3.625 3.875
>$417K 4.375 ------ ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.990 3.500 ------ 4.250
>$417K 4.375 ------ ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 2.875 2.990 3.250
APR 3.880 3.081 3.652 3.005 3.019 3.278
 
>$417K 4.125 3.625 ------ ------ 3.125 3.375
APR 4.118 3.632 ------ ------ 3.134 3.368
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.990 3.500 3.750 4.125
APR 4.172 3.545 4.015 3.566 3.803 4.170

 

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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