07/19加州今日房貸利率 /9:30am

With Bernanke done with reporting to the House and Senate committe, all
economic news,
especilly the employment report coming from time to time, will impact the
mortgage rates.And the next one will be coming in about two weeks. Stay
focused.


Closing in 7 days: LOCK.

Closing in 7-15 days: LOCK

Closing in 15-30 days: FLOAT FOR NOW, STAY FOCUSED

Closing in 30+ days: FLOAT FOR NOW, CAUTIOUSLY



Conforming loan (<=$417k)

Purpose of Loan    30 YR   15 YR   5/1  7/1
Purchase Loan    4.125  3.250  3.000   3.500
Refinance Loan    4.250  3.375  3.125   3.625

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=400K,FICO>=740,LTV<=75%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen. Adding impound account
might bring in better rates.



Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.



High Balance Loan (<=625k)

Purpose of Loan    30 YR    15 YR   5/1  7/1
Purchase Loan    4.375  3.375    3.75   n/a
Refinance Loan    4.500  3.500    n/a   n/a

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=600K,FICO>=740,LTV<=75%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.



Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.


Jumbo Loan ( Up to 2M)

Purpose of Loan    30 YR   15 YR   5/1   7/1
Purchase Loan    5.375  4.125    3.750  4.250
Refinance Loan    5.500  4.250    3.875  4.375

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=729K,FICO>=760,LTV<=60%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.

Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.