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12月6日 (星期一) 加州、馬裏蘭貸款利率 (1:07PM更新)

(2010-12-06 13:43:50) 下一個
SUMMARY: 今早利率初次發布後,銀行又下調了兩次利率價格,重新貸款30年固定可以做到4.5%了!







************************* CALIFORNIA ************************
REFINANCE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.250 3.500
<=$729K 4.750 4.125     3.500  







REFINANCE CASH-OUT RATE:




30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.500 3.750
<=$729K            







PURCHASE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.375 3.750 2.750 3.000
APR: 4.483 3.937 4.524 4.020 2.848 3.100







<=$729K 4.625 4.000     3.000  
APR: 4.715 4.154     3.082  







************************* MARYLAND *************************
REFINANCE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.125 3.375
<=$729K 4.750 4.125     3.375  







REFINANCE CASH-OUT RATE:




30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.875 4.375 3.750 3.375 3.625
<=$729K            







PURCHASE RATE:





30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.750 4.375 3.750 2.750 3.000
APR: 4.483 3.937 4.524 4.020 2.848 3.100







<=$729K 4.625 4.000     3.000  
APR: 4.715 4.154     3.082  







Rates above are based on the following assumptions:
1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans;
2. Loan-To-Value (LTV): 
 - <=80% for Conforming Refinance and Purchase;
 - <=70% for Conforming Cash-Out Refinance;
 - <=75% for Super-Conforming Refinance and Purchase;
 - <=65% for Super-Conforming Cash-Out Refinance.
3. Primary Residence;
4. Single Family Residence;
5. Credit score>=740;
6. No Impound/Escrow Account.

For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.

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