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【方圆贷款利率—CA、TX、FL】06月14日 星期二

(2016-06-14 11:50:28) 下一个

SUMMARY:今天(06月14日星期二)开盘时的房贷利率价格和上个工作日相比稍好。目前
重新贷款40万左右的利率,30年固定利率稳定在3.500%,15年固定利率稳定在2.750%,
5/1 ARM稳定在2.875%。购房贷款40万左右,30年固定的利率稳定为3.375%,15年固定
下降为2.625%,5/1 ARM稳定为2.625%。

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    3.500    2.750    3.250    2.625    2.875      3.125
>$417K      3.625    2.875    3.375     2.750    3.250      3.375
Jumbo        4.125    3.500     -----        ------    3.250     3.500
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.500    2.750     3.125        3.250
>$417K      3.990     3.375    3.875       ------      4.000       4.125
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.625       2.875
APR           3.409    2.722    3.200    2.518     2.662      2.918
                     
>$417K      3.550    2.750    3.375       2.750     3.125        3.250
APR           3.530    2.801    3.379       2.747     3.158        3.277
                        
Jumbo        4.000     3.250     -----       -----     3.000       3.000
APR            4.013     3.318     -----       -----     3.031       3.037
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.000    3.500   2.875    3.375        3.625
APR           3.680    3.062    3.577    3.017    3.417        3.675





******************************** 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    3.500    2.750    3.500    2.750     3.000        3.250
>$417K      4.625       -----      ------        -----     3.500      3.750
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750   3.125    3.500    2.875       3.625      3.500
>$417K      4.625      -----      ------      -------       3.500     3.875

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.625       2.875
APR           3.380    2.687    3.171    2.480    2.642       2.906
                        
>$417K      4.000    3.375    -----       ------     3.125       3.125
APR           3.998     3.388    -----      ------     3.122       3.128
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    3.000    3.500    2.875    3.375       3.625
APR           3.650    3.027    3.549    2.966    3.397       3.656


******************************** 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    3.750    3.000    3.500    2.875    3.625        3.625
>$417K      4.500      ------      ------      ------    ------       ----- 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250   3.750     3.000     3.875         3.750 
>$417K      4.500     ------      ------     ------     ------        ----- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.625        2.875
APR           3.416    2.709    3.198    2.473    2.661        2.925
                        
>$417K      4.000    3.375    -----      ------    3.125         3.125
APR           4.001    3.396    -----      ------     3.127        3.133
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625    2.875    3.375       3.625
APR           3.804    3.196    3.657    2.982    3.416       3.664


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。

方圆贷款NMLS ID: 231959

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