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【方圆贷款利率—CA、MD、VA、TX、FL】12月05日星期四

(2013-12-05 10:06:28) 下一个
方圆贷款今日房贷利率(CA、FL、MD、TX、VA)
SUMMARY:今天(12月05日星期四)开盘时的房贷利率价格和昨日相比持平。目前重新贷款40万左右的利率,30年固定稳定在4.5%,15 年固定稳定在3.5%,5/1 ARM稳定在3.25%。购房贷款40万左右,30年固定的利率稳定在4.375%,15年固定上稳定在3.375%,5/1 ARM稳定在2.875%。

注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带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 4.500 3.500 4.375 3.375 3.250 3.625
>$417K 4.500 3.625 ------ ------ 3.250 3.500
Jumbo ------ 4.000 ------ ------ 3.250 3.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.500 3.250 3.750
>$417K ------ ------ ------ ------ 3.250 3.375
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 2.875 3.375
APR 4.424 3.458 4.317 3.371 2.920 3.421
             
>$417K 4.500 3.500 ------ ------ 3.000 3.250
APR 4.568 3.616 ------ ------ 3.062 3.313
             
Jumbo 5.000 3.875 ------ ------ 3.125 3.250
APR 5.061 3.977 ------ ------ 3.180 3.305
                                           
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.625 3.000 3.750
APR 4.711 3.772 4.618 3.838 3.045 3.797
 
****************************** MARYLAND ******************************
(Based on Conforming Loan $380K, High-Balance Loan $550K
.
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 4.500 3.500 4.375 3.375 3.250 3.625
>$417K 4.500 3.625 ------ ------ 3.250 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.500 3.375 3.750
>$417K ------ ------ ------ ------ 3.375 3.625
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 2.875 3.375
APR 4.410 3.435 4.298 3.337 2.920 3.421
             
>$417K 4.500 3.500 ------ ------ 3.000 3.250
APR 4.568 3.616 ------ ------ 3.062 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.625 3.000 3.750
APR 4.711 3.772 4.618 3.838 3.045 3.797
 
******************************** VIRGINIA ********************************
(Based on Conforming loan $380K, High-Balance loan $550K
.
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 4.500 3.500 4.375 3.500 3.375 3.750
>$417K 4.625 3.625 ------ ------ 3.375 3.625
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.625 4.500 3.500 3.375 3.750
>$417K ------ ------ ------ ------ 3.375 3.625
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 2.875 3.375
APR 4.409 3.433 4.297 3.334 2.920 3.421
             
>$417K 4.500 3.500 ------ ------ 3.000 3.250
APR 4.568 3.616 ------ ------ 3.062 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.625 3.000 3.750
APR 4.711 3.772 4.618 3.838 3.045 3.797
 
******************************** 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 4.750 3.625 4.375 3.500 3.375 3.750
>$417K 4.500 3.625 ------ ------ 3.375 3.625
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.375 3.375 3.125 3.500
APR 4.433 3.474 4.455 3.519 3.179 3.555
             
>$417K 4.500 3.500 ------ ------ 3.000 3.250
APR 4.523 3.540 ------ ------ 3.062 3.313
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.625 3.000 3.750
APR 4.711 3.772 4.618 3.838 3.045 3.797
             
******************************** 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 4.875 3.750 4.500 3.500 3.375 ------
>$417K 4.625 3.625 ------ ------ 3.375 ------
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K ------ ------ ------ ------ ------ ------
>$417K ------ ------ ------ ------ ------ ------
             
PRIMARY RESIDENCE - PURCHASE:        
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.375 3.750
APR 4.560 3.602 4.457 3.523 3.431 3.807
             
>$417K 4.500 3.500 ------ ------ 3.000 ------
APR 4.524 3.541 ------ ------ 3.062 ------
             
INVESTMENT PROPERTY - PURCHASE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.625 3.000 3.750
APR 4.711 3.772 4.618 3.838 3.045 3.797
             
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): 
    - <=70% 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. (not first home buyer for purchase)
3. Primary Residence (except specified);
4. Single Family Residence;
5. Credit score>=760;
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:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款,需要收point才能做。
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