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【方圓貸款利率—CA、TX】03月28日 星期二

(2017-03-28 16:32:33) 下一個

SUMMARY:今天(03月28日 星期二)開盤時的房貸利率價格和上個工作日相比略微上升
。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率穩定在3.
250%,5/1 ARM上升在3.250%。購房貸款40萬左右,30年固定的利率穩定在3.950%,
15年固定利率穩定在3.250%,5/1 ARM上升在3.000%.

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 4.125 3.250 3.750 3.250 3.250 3.375
>$417K 4.250 3.375 4.125 3.375 3.750 4.000
Jumbo 4.250 3.875 4.375 ------ 3.750 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.375 3.500 3.750
>$417K 4.500 4.000 4.375 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.625 3.125 3.000 3.250
APR 3.991 3.258 3.689 3.248 3.041 3.274
 
>$417K 4.125 3.375 4.000 3.250 3.375 3.750
APR 4.168 3.389 4.020 3.279 3.421 3.784
 
Jumbo 4.125 3.625 4.250 ------ 3.500 3.625
APR 4.155 3.675 4.272 ------ 3.541 3.659
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.125 3.625 3.750 3.875
APR 4.409 3.725 4.171 3.689 3.782 3.904

 

******************************* 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 4.250 3.625 4.125 3.500 4.875 4.750
>$417K 4.625 4.500 4.750 ------ 4.250 4.250
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.875 4.250 3.625 ------ ------
>$417K 4.750 4.500 4.750 ------ 4.375 4.375
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.250 3.750 3.125 3.000 3.250
APR 3.997 3.238 3.748 3.201 3.039 3.273
 
>$417K 4.250 3.750 4.250 ------ 3.500 3.625
APR 4.234 3.742 4.241 ------ 3.520 3.640
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.125 3.500 3.750 3.875
APR 4.306 3.705 4.177 3.642 3.798 3.924

 

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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