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【方圓貸款利率—CA、TX、FL】05月24日 星期二

(2016-05-24 09:55:14) 下一個

SUMMARY:今天(05月24日星期二)開盤時的房貸利率價格和昨日相比稍差。目前重新貸
款40萬左右的利率,30年固定利率穩定為3.625%,15年固定維持為2.750%,5/1 ARM
穩定為3.125%。購房貸款40萬左右,30年固定的利率維持為3.500%,15年固定穩定為2.
750%,5/1 ARM上升為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 *******************************
    (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    3.625    2.750    3.500    2.750    3.125      3.375
>$417K      3.750    3.000    3.500     3.000    3.375      3.625
Jumbo        4.250    3.750    3.875       ------    3.625     3.500
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.000    3.500    2.750     3.375        3.625
>$417K      4.125     3.500    4.250      ------     3.250       3.500
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.500    2.875       3.000
APR           3.522    2.753    3.433    2.680     2.912       3.051
                    
>$417K      3.700    2.990    3.500       2.875     3.375        3.625
APR           3.724    3.070    3.550       2.943     3.417        3.646
                       
Jumbo        4.125     3.500     3.750       -----     3.375       3.375
APR            4.145     3.564     3.804       -----     3.409       3.405
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.125    3.625   3.000    3.000        3.375
APR           3.887    3.200    3.670    3.135    3.120        3.385

 


******************************** 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    3.625    3.000    3.500    2.750     3.375        3.625
>$417K      4.500      4.125     4.500       -----     3.625      3.875
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750   3.125    3.625    3.000       3.625      3.750
>$417K      4.375     4.000     4.500     ------      3.500     3.625
--
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625    2.875       3.000
APR           3.489    2.713    3.399    2.669    2.892       3.037
                       
>$417K      4.125    3.625    3.875       ------     3.250       3.375
APR           4.118     3.642    3.900      ------     3.254       3.359
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625    3.000   3.750       3.875
APR           3.780    3.160    3.681    3.077    3.773       3.897

 

******************************** 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    3.990    3.250    3.750    3.000    3.750        40125
>$417K      4.875      ------      ------      -----    4.125       4.250
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.125    3.500   3.875     3.250     -----         4.375
>$417K      4.750     ------      ------     ------     4.125        4.250
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.750    3.375    2.625    2.875        3.250
APR           3.628    2.817    3.426    2.663    2.911        3.274
                       
>$417K      4.125    3.625    3.875      ------    3.250         3.375
APR           4.123    3.650    3.901      ------     3.258        3.364
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.000    3.375    3.750    3.125    3.750       3.875
APR           4.044    3.440    3.819    3.190    3.793       3.923


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.
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。

方圓貸款NMLS ID: 231959

 

 

 


 

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