個人資料
正文

【方圓貸款利率—CA、TX】10月28日 星期五

(2016-10-28 10:57:17) 下一個

SUMMARY:今天(10月28日 星期五)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3.500%,15年固定利率穩定在
2.750%,5/1 ARM穩定在3.000%。購房貸款40萬左右,30年固定的利率穩定在3.375%,15年固定利率穩定在2.625%,5/1 ARM上升至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。

方圓貸款聯係方式:949-829-3863或info@circlesquaremortgage.com

******************************* 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 2.750 3.000 3.375
>$417K 3.700 2.875 3.500 3.000 3.375 3.375
Jumbo 3.750 3.250 ------ ------ 3.125 3.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.875 3.250 3.625
>$417K 4.125 3.625 3.875 3.625 3.375 3.500
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.625 2.875 3.125
APR 3.409 2.708 3.238 2.672 2.901 3.150
 
>$417K 3.500 2.750 3.375 2.875 3.125 3.250
APR 3.546 2.823 3.421 2.927 3.164 3.271
 
Jumbo 3.625 3.000 ------ ------ 3.000 3.000
APR 3.643 3.053 ------ ------ 3.017 3.032
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.125 3.625 3.750
APR 3.785 3.183 3.531 3.215 3.682 3.806
******************************* 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 2.875 3.250 3.625
>$417K 4.000 ------ ------ ------ ------ 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.500 3.125 3.875 3.990
>$417K 4.000 ------ ------ ------ ------ 3.625
 
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 2.750 3.125
APR 3.380 2.702 3.233 2.628 2.783 3.147
 
>$417K 3.625 3.125 ------ ------ 3.000 3.125
APR 3.640 3.124 ------ ------ 3.014 3.126
 
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 3.750
APR 3.681 3.099 3.527 3.144 3.666 3.803

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.

For scenarios outside the above assumptions, please contact local loan officers for case inquiry.

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

[ 打印 ]
閱讀 ()評論 (0)
評論
博主已隱藏評論
博主已關閉評論