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【方圓貸款利率—CA、TX、FL】06月09日 星期四

(2016-06-09 09:53:24) 下一個

SUMMARY:今天(06月09日星期四)開盤時的房貸利率價格和昨日相比稍好。目前重新貸
款40萬左右的利率,30年固定利率穩定在3.500%,15年固定利率穩定在2.750%,5/1
ARM穩定在2.875%。購房貸款40萬左右,30年固定的利率穩定為3.500%,15年固定穩定
為2.750%,5/1 ARM下降至2.625%。

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    3.500    2.750    3.375    2.625    2.875      3.125
>$417K      3.625    2.875    3.500     2.750    3.375      3.500
Jumbo        4.125    3.500     -----        ------    3.500      3.375
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.500    2.750     3.125        3.375
>$417K      4.250    3.625    3.875       ------      -----        4.250
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.500    2.625       2.875
APR           3.426    2.704    3.288    2.583     2.674       2.918
                    
>$417K      3.550    2.875    3.375     2.750     3.250      3.375
APR           3.597    2.905    3.410     2.799     3.272       3.405
                       
Jumbo        4.000     3.375     -----       -----     3.250       3.250
APR            4.029     3.425     -----       -----     3.285       3.282
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625   3.000    3.000        3.375
APR           3.775    3.098    3.674    3.090    3.040        3.378


******************************** 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    2.875    3.500    2.750     3.125        3.375
>$417K       -----       ------      ------        -----    3.625        3.875
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.125    3.625    3.000       3.750      3.750
>$417K      -----      ------      ------      -------       2.625      -----

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.500    2.625       2.875
 APR           3.420    2.687    3.280    2.568    2.656       2.928
                       
>$417K      4.000    3.500    -----       ------     3.250       3.375
APR           4.009     3.499    -----      ------     3.266        3.365
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.000    3.625    2.875    3.375       3.750
 APR           3.671    3.081    3.646    3.019    3.371       3.765


******************************** 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    3.750    3.125    3.625    2.875    3.875        3.750
>$417K      -----      ------      ------      -----       2.625        -----
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250   3.750     3.125     -----         4.125
>$417K      -----     ------      ------      ------       2.625        -----
                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.500    2.625        2.990
APR           3.429    2.773    3.307    2.561    2.672        3.040
                       
>$417K      4.000    3.500    -----      ------    3.250         3.375
APR           4.012    3.504    -----      ------     3.271         3.375
                       
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    3.500       3.750
APR            3.905    3.209    3.691    3.075    3.546       3.786


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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