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【方圓貸款利率—CA、TX、FL】07月01日 星期五

(2016-07-01 10:11:13) 下一個

SUMMARY:今天(07月01日 星期五)開盤時的房貸利率價格和上個工作日相比稍好。目前
重新貸款40萬左右的利率,30年固定利率穩定在3.375%,15年固定利率穩定在2.750%,
5/1 ARM下降為2.750%。購房貸款40萬左右,30年固定的利率下降為3.250%,15年固定
穩定為2.625%,5/1 ARM下降為2.500%.

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    3.375    2.750    3.250    2.500    2.750      3.000
>$417K      3.550    2.750    3.375     2.750    3.250      3.375
Jumbo        4.000    3.375     -----        ------    3.250      3.125
  
                        
PRIMARY RESIDENCE - CASH-OUT 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        3.250
>$417K      3.990     3.375    3.750       ------      3.875      4.000
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.500       2.875
APR           3.305    2.685    3.165    2.467     2.545      2.894
                     
>$417K      3.450    2.750    3.250       2.750     3.000        3.250
APR           3.497    2.760    3.304       2.744     3.037        3.282
                        
Jumbo        3.875     3.250     -----       -----     3.000       3.000
APR            3.893     3.297     -----       -----     3.031       3.023
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500   2.875    3.250        3.500
APR           3.660    3.044    3.549    2.977    3.300       3.540




******************************** 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    3.500    2.750    3.375    2.625     2.875        3.125
>$417K      4.625       -----      ------        -----     3.250      -----
                        
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       3.875      3.875
>$417K      4.625      -----      ------      -------       3.250    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.500       2.750
APR           3.285    2.577    3.136    2.428    2.525       2.785
                        
>$417K      3.875    3.375    -----       ------     2.875       3.000
APR           3.867     3.372    -----      ------     2.873       2.979
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.875    3.500    2.875    3.250       3.375
APR           3.630    2.973    3.521    2.938    3.279       3.413




******************************** 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    3.625    3.000    3.500    2.750    3.250        3.750
>$417K      -----      ------      ------      ------    3.500       ----- 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250   3.625     3.000     -----         4.125 
>$417K      -----     ------      ------     ------     3.625        ----- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.500        2.875
APR           3.296    2.572    3.163    2.422    2.544        2.893
                        
>$417K      3.875    3.375    -----      ------    2.875         3.000
APR           3.871    3.380    -----      ------     2.878        2.983
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.500    2.875    3.250       3.500
APR           3.776    3.166    3.549    2.931    3.299       3.538


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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