04/26 加州今日房貸利率 /10am

 


Purpose of Loan    30 YR     15 YR     5/1
Purchase Loan    3.250  2.625  2.250
Refinance Loan    3.375    2.750  2.375
Loan $ >=400K, FICO>=740, LTV<=75%, primary residence.

There is no point, no fee for refinance but there is fee for purchase loan (
purchase rate is 15-day based).

Refinance rates are based on SFH and GC or Citizens conditions.

Rate change is subject to loan amount, impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type ( investment or second home),
LTV and other conditions.



High Balance Loan (<=625k)

Purpose of Loan    30 YR     15 YR     5/1
Purchase Loan    3.500  2.875    2.750
Refinance Loan    3.500  2.875    2.750

The rates are based on criterion below and  good for the time
when they are quoted:
Loan $ >=600K, FICO>=740, LTV<=75%,  primary residence.

There is no point, no fee for refinance but there is fee for purchase loan (
purchase rate is 15-day based).

Refinance rates are based on SFH and GC or Citizens conditions.

Rate change is subject to loan amount, impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type ( investment or second home),
LTV and other conditions.


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Contact:

Jing Sun
[e-mail]
626.538.5688

DRE 01880010
NMLS 339172

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If you need to get real-time rate for your specific loan,
please include the answers to following questions into your email and send
it to [e-mail]. It will be answered within 24 hours.

1) Loan amount
2) Self-occupied or Investment or second home
3)Single Family House or Condo
4)Self-estimated FICO score
5)Expected  LTV (loan to value of house)
6) W-2 or Self employed
7) Expected yearly DTI (Debt to income) ratio
8) Any other houses or loans
9) Type of loan you are interested(refi/new, 30,15,3/1,5/1, 7/1)
10) Is this for cash out?
11) What is your current mortgage rate and when did you get it?
12) Do you want impound account?
13) Status (Citizen, Green Card or H1-b)