07/24加州今日房貸利率 /10:30am

Market is still bearish and lock is recommendation for most cases.

Conforming loan (<=$417k)

Purpose of Loan    30 YR   15 YR   5/1  7/1
Purchase Loan    4.250  3.375  3.125   3.500
Refinance Loan    4.375  3.500  3.250   3.625

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=400K,FICO>=740,LTV<=75%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen. Adding impound account
might bring in better rates.



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



High Balance Loan (<=625k)

Purpose of Loan    30 YR    15 YR   5/1  7/1
Purchase Loan    4.500  3.500    n/a   n/a
Refinance Loan    4.500  3.500    n/a   n/a

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

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.



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


Jumbo Loan ( Up to 2M)

Purpose of Loan    30 YR   15 YR   5/1   7/1
Purchase Loan    5.000  4.125    3.750  4.375
Refinance Loan    5.125  4.250    3.875  4.500

The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=729K,FICO>=760,LTV<=60%,O/O,SFH

There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.

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

Contact:

Jing Sun
[e-mail]
949.680.0818

BRE 01880010
NMLS 339172

______________________________________

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)