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【方圓貸款利率—CA、MD、VA、TX、FL】11月22日星期五

(2013-11-22 09:26:33) 下一個
方圓貸款今日房貸利率(CA、FL、MD、TX、VA)
SUMMARY:今天(11月22日星期五)開盤時的房貸利率價格和昨日相比持平。目前重新貸款40萬左右的利率,30年固定穩定在4.25%,15 年固定穩定在3.25%,5/1 ARM穩定在3.25%。購房貸款40萬左右,30年固定的利率穩定在4.125%,15年固定穩定在3.125%,5/1 ARM穩定在2.75%。

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 *******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.625
>$417K 4.375 3.375 ------ ------ 3.125 3.375
Jumbo 4.875 3.875 ------ ------ 3.125 3.250
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.125 3.625
>$417K ------ ------ ------ ------ 3.125 3.375
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.750 3.250
APR 4.173 3.208 4.066 3.246 2.794 3.296
             
>$417K 4.375 3.375 ------ ------ 2.875 3.250
APR 4.442 3.490 ------ ------ 2.937 3.313
             
Jumbo 4.750 3.625 ------ ------ 3.000 3.125
APR 4.810 3.727 ------ ------ 3.054 3.180
                                           
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.375 2.875 3.625
APR 4.460 3.521 4.367 3.587 2.920 3.672
 
****************************** MARYLAND ******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.625
>$417K 4.375 3.375 ------ ------ 3.125 3.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.750 3.250
APR 4.160 3.185 4.048 3.212 2.794 3.296
             
>$417K 4.375 3.375 ------ ------ 2.875 3.250
APR 4.442 3.490 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.375 2.875 3.625
APR 4.460 3.521 4.367 3.587 2.920 3.672
 
******************************** VIRGINIA ********************************
(Based on Conforming loan $380K, High-Balance loan $550K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.250 4.125 3.250 3.250 3.750
>$417K 4.500 3.500 ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.750 3.250
APR 4.158 3.183 4.046 3.209 2.794 3.296
             
>$417K 4.375 3.375 ------ ------ 2.875 3.250
APR 4.442 3.490 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.375 2.875 3.625
APR 4.460 3.521 4.367 3.587 2.920 3.672
 
******************************** TEXAS ********************************
(Based on Conforming Loan $200K, Jumbo Loan $500K
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.375 3.250 3.750
>$417K 4.375 3.375 ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.750 3.250
APR 4.182 3.224 4.079 3.268 2.794 3.296
             
>$417K 4.250 3.250 ------ ------ 2.875 3.250
APR 4.273 3.289 ------ ------ 2.937 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.375 3.375 2.875 3.625
APR 4.433 3.474 4.455 3.519 2.920 3.672
             
******************************** FLORIDA ********************************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only
.
See other assumptions at the bottom of the post)
             
PRIMARY RESIDENCE - REGULAR REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.250 ------
>$417K 4.375 3.500 ------ ------ 3.250 ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.125 3.125 2.875 3.250
APR 4.184 3.226 4.206 3.272 2.929 3.306
             
>$417K 4.250 3.375 ------ ------ 2.875 ------
APR 4.274 3.416 ------ ------ 2.937 ------
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.375 3.375 2.875 3.625
APR 4.434 3.602 4.457 3.523 2.920 3.672
             
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: See detailed loan amounts under the State name above;
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. (not first home buyer for 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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