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【方圓貸款利率—CA、MD、VA】5月30日星期四

(2013-05-30 09:39:22) 下一個
方圓貸款今日房貸利率(CA、MD、VA)
SUMMARY:今天(5月30日星期四)開盤時的利率價格和昨天相比稍微變好。目前重新貸款40萬左右的利率30年固定仍為3.875%,15 年固定回落至3%,5/1 ARM仍為2.875%購房貸款40萬左右,30年固定的利率仍為3.75%,15年固定仍為2.875%,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 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.000 3.375               3.000 3.625
Jumbo                             2.875 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - 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 2.500 2.875
APR 3.827 3.009 3.732 3.071 2.571 2.948
             
>$417K 3.875 3.125               2.500 3.375
APR 3.940 3.239               2.560 3.438
             
Jumbo                             2.750 3.375
APR                             2.804 3.431
                                           
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
********************** MARYLAND **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.000 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - 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 2.500 2.875
APR 3.827 3.009 3.732 3.071 2.571 2.948
             
>$417K 3.875 3.125               2.500       
APR 3.940 3.239               2.560       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
********************** VIRGINIA **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.000 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.750 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.625 2.875 2.500 2.875
APR 3.701 3.009 3.732 3.071 2.571 2.948
             
>$417K 3.875 3.125               2.500       
APR 3.940 3.239               2.560       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
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, $750K for Jumbo 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;
    - <=65% for Jumbo Refi & 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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