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【方圓貸款利率—CA、TX】05月17日 星期三

(2017-05-17 18:40:26) 下一個

SUMMARY:今天(05月17日 星期三)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年固定利率降低至3.875%,15年固定利率穩定在3.
125%,5/1 ARM降低至3.250%。購房貸款40萬左右,30年固定的利率降低至3.750%,
15年固定利率穩定在3.125%,5/1 ARM降低至3.000%.

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 3.875 3.125 3.625 3.125 3.250 3.500
>$417K 4.000 3.250 3.750 3.250 3.375 3.625
Jumbo 4.000 3.500 4.500 ------ 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 3.250 3.750 3.250 3.375 3.625
>$417K 4.250 3.750 4.125 ------ 3.500 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 2.875 3.000 3.250
APR 3.795 3.080 3.535 3.017 3.042 3.292
 
>$417K 3.950 3.125 3.625 3.000 3.250 3.375
APR 3.974 3.183 3.684 3.113 3.281 3.418
 
Jumbo 3.875 3.375 4.375 ------ 3.250 3.375
APR 3.914 3.422 4.398 ------ 3.285 3.395
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.375 3.750 4.000
APR 4.161 3.563 3.981 3.492 3.782 4.032

 

******************************* 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 4.000 3.250 3.750 3.250 3.375 3.625
>$417K 4.125 3.750 4.625 ------ 3.500 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.500 4.125 4.125
>$417K 4.250 4.000 4.625 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.500 2.875 3.000 3.250
APR 3.765 3.045 3.520 2.962 3.022 3.271
 
>$417K 4.000 3.500 4.375 ------ 3.250 3.375
APR 3.977 3.479 4.366 ------ 3.260 3.370
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.750 4.000
APR 4.130 3.475 3.934 3.440 3.798 4.036

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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