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【方圓貸款利率—CA、TX】08月22日 星期一

(2016-08-22 09:43:45) 下一個

SUMMARY:今天(08月22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下降至2.875%。購房貸款40萬左右,30年固定的利率上升在3.375%,15年固定
利率上升在2.625%,5/1 ARM穩定在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    3.375    2.750    3.250    2.625    2.875      3.250
>$417K      3.625    2.750    3.375     2.750     3.375      3.750
Jumbo        4.000    3.500     -----        ------    3.250      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     3.125        3.375
>$417K      4.250     3.375    3.875       ------      -----      -----
    
                    
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    2.625       2.750
APR           3.369    2.697    3.162    2.524     2.677      2.803
                     
>$417K      3.500    2.750    3.375       2.750     3.250        3.500
APR           3.541    2.769    3.384       2.760     3.275        3.545
                        
Jumbo        3.750     3.250     -----       -----     3.125       3.000
APR            3.784     3.306     -----       -----     3.152       3.037
     
                                                       
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    3.500        3.875
APR           3.670    3.098    3.563    3.064    3.550       3.919




******************************** 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     3.125        3.375
>$417K      4.500       -----      ------        -----     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       -----      -----
>$417K      -----      -----      ------      -------       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    2.625       2.750
APR           3.340    2.684    3.133    2.486    2.663       2.803
                        
>$417K      3.750    3.375    -----       ------     3.000       3.000
APR           3.758     3.380    -----      ------     3.012       3.012
                        
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    3.500       3.875
APR           3.640    3.063    3.540    2.996    3.529       3.898



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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