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【方圓貸款利率—CA、TX】08月17日 星期四

(2017-08-17 11:49:38) 下一個

SUMMARY:今天(08月17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年固定利率降低至3.75%,15年固定利率上升至3.
125%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率降低至3.625%,15
年固定利率穩定在2.875%,5/1 ARM穩定在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 3.750 3.125 3.625 3.000 3.250 3.375
>$417K 3.950 3.250 3.750 3.250 3.500 3.500
Jumbo 4.000 3.625 4.375 ------ 3.375 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.625 3.875
>$417K 4.125 3.750 4.250 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.000 3.125
APR 3.680 2.973 3.533 2.912 3.043 3.179
 
>$417K 3.800 3.125 3.625 3.125 3.250 3.375
APR 3.831 3.162 3.680 3.213 3.275 3.395
 
Jumbo 3.875 3.500 4.250 ------ 3.250 3.250
APR 3.897 3.547 4.276 ------ 3.271 3.287
 
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 3.500 3.625
APR 4.140 3.474 3.939 3.492 3.537 3.662

 

******************************* 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 3.875 3.250 3.750 3.125 3.625 3.875
>$417K 4.375 4.250 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.875 3.625 ------ 4.125
>$417K 4.625 4.250 4.500 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 3.000 3.125
APR 3.650 2.937 3.521 2.867 3.037 3.179
 
>$417K 3.875 3.625 4.250 ------ 3.250 3.250
APR 3.872 3.598 4.247 ------ 3.246 3.262
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.875 3.375 3.500 3.625
APR 4.036 3.438 3.911 3.440 3.557 3.683

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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