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【方圓貸款利率】7月1日11:30AM更新—重貸30年固定降至4.125!

(2013-07-01 12:12:00) 下一個
方圓貸款今日房貸利率(CA、MD、VA)
11:30AM更新:今天(7月1日)開盤後由於ISM Manufacturing數據欠佳,導致房貸二級市場MBS打包證券的價格上升,相應的yield(房貸利率直接與其掛鉤)下降。各銀行隨後又相繼發出利率更新。目前重新貸款40萬左右的利率,30年固定降至4.125%,15 年固定仍為3.375%,5/1 ARM仍為3.375%。購房貸款40萬左右,30年固定的利率仍為4.125%,15年固定仍為3.125%,5/1 ARM仍為2.875%。

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 *******************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
>$417K 4.375 3.500 ------ ------ 3.250 4.250
Jumbo ------ ------ ------ ------ 3.250 4.250
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.375 4.375
>$417K ------ ------ ------ ------ 3.250 4.250
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
APR 4.203 3.260 4.108 3.322 2.948 3.325
             
>$417K 4.250 3.375 ------ ------ 3.125 4.125
APR 4.317 3.490 ------ ------ 3.188 4.191
             
Jumbo ------ ------ ------ ------ 3.250 4.125
APR ------ ------ ------ ------ 3.305 4.183
                                           
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 ------ ------
APR 4.460 3.646 4.367 3.587 ------ ------


******************************** MARYLAND ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
>$417K 4.375 3.500 ------ ------ 3.250 4.250
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
>$417K ------ ------ ------ ------ 3.500 4.500
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
APR 4.203 3.260 4.108 3.322 2.948 3.325
             
>$417K 4.250 3.375 ------ ------ 3.125 4.125
APR 4.317 3.490 ------ ------ 3.188 4.191
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 ------ ------
APR 4.460 3.646 4.367 3.587 ------ ------


******************************** VIRGINIA ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
>$417K 4.375 3.625 ------ ------ 3.375 4.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
>$417K ------ ------ ------ ------ 3.500 4.500
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
APR 4.203 3.260 4.108 3.322 2.948 3.325
             
>$417K 4.250 3.375 ------ ------ 3.125 4.125
APR 4.317 3.490 ------ ------ 3.188 4.191
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 ------ ------
APR 4.460 3.646 4.367 3.587 ------ ------
             
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 (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。
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