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【方圓貸款利率—CA、TX、FL】08月08日 星期一

(2016-08-08 10:47:45) 下一個

SUMMARY:今天(08月08日 星期一)開盤時的房貸利率價格和上個工作日相比持平。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穩定至3.000%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定
利率下降至2.500%,5/1 ARM上漲到2.750%.

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    2.625    3.000      3.250
>$417K      3.625    2.750    3.500     2.875     3.375      3.625
Jumbo        4.000    3.500     -----        ------    3.375      3.250
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.875    3.375    2.750     3.250        3.500
>$417K      4.000     3.250    4.250       ------      -----      -----
    
                    
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    2.750       2.875
APR           3.293    2.669    3.195    2.522     2.789      2.918
                     
>$417K      3.500    2.750    3.375       2.750     3.125        3.250
APR           3.529    2.767    3.438       2.830     3.160        3.294
                        
Jumbo        3.875     3.375     -----       -----     3.125       3.125
APR            3.903     3.409     -----       -----     3.159       3.142
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500   3.000    3.625        3.625
APR           3.670    3.080    3.546    3.037    3.667       3.674






******************************** 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    2.875    3.375    2.750     3.375        3.500
>$417K      -----       -----      ------        -----     3.500      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750   3.000    3.500    2.875       3.750      3.750
>$417K      4.625      -----      ------      -------       3.500    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.750       2.875
APR           3.340    2.678    3.195    2.483    2.788       2.919
                        
>$417K      3.875    3.375    -----       ------     3.125       3.125
APR           3.877     3.399    -----      ------     3.124       3.117
                        
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    3.625       3.625
APR           3.640    3.045    3.541    2.993    3.664       3.671


******************************** 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    3.000    3.500    2.875    3.750        3.750
>$417K      -----      ------      ------      ------    3.750       ----- 
                        
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     -----         4.250 
>$417K      4.875     ------      ------     ------     4.000        4.250 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.250    2.500    2.875        2.990
APR           3.398    2.686    3.226    2.476    2.914        3.034
                        
>$417K      3.875    3.375    -----      ------    3.125         3.125
APR           3.881    3.407    -----      ------     3.128        3.122
                        
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    3.625       3.625
APR           3.791    3.176    3.559    2.986    3.677       3.684


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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