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【方圓貸款利率—CA、MD、VA】5月20日星期一

(2013-05-20 09:10:12) 下一個
今日房貸利率(CA、MD、VA)
SUMMARY:今天(5月20日星期一)開盤時的利率價格和上星期五相比基本持平,但房貸二級市場的拋售導致lender發布利率更新,利率價格變差!目前重新貸款40萬左右的利率30年固定仍能勉強維持在3.625%,15 年固定仍為2.75%,5/1 ARM仍為2.875%購房貸款40萬左右,30年固定的利率仍為3.5%,15年固定略漲至2.625%,5/1 ARM仍為2.5%

注:以下列出的利率都是帶impound account的利率,其它條件請參見本帖底部參數。
 
********************* CALIFORNIA *********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.750 2.875 3.250
>$417K 3.750 3.000               3.000       
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.750 2.875 3.250
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.625 3.375 2.500 2.500 2.875
APR: 3.603 2.806 3.518 2.764 2.597 2.974
             
>$417K 3.625 2.875               2.750       
APR: 3.710 3.024               2.830       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875              
APR: 3.854 3.057 3.770 3.141              
             
********************** MARYLAND **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.500 2.625 2.750 3.125
>$417K 3.750 3.000               3.000       
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.500 2.750 2.875 3.250
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.625 3.375 2.500 2.500 2.875
APR: 3.603 2.806 3.518 2.764 2.597 2.974
             
>$417K 3.625 2.875               2.750       
APR: 3.710 3.024               2.830       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875              
APR: 3.854 3.057 3.770 3.141              
             
********************** VIRGINIA **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.625 2.750 3.000       
>$417K 3.750 3.000                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.625 2.875              
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.625 3.375 2.500 2.500 2.875
APR: 3.603 2.806 3.518 2.764 2.597 2.974
             
>$417K 3.625 2.875               2.750       
APR: 3.710 3.024               2.830       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875              
APR: 3.854 3.057 3.770 3.141              
             
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: $380K for Conforming loan, $550K for Super-Conforming loans;
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;
    - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
    - <=75% for Investment Property Conforming Purchase.
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=760;
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。
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