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【方圆贷款利率—CA、TX】11月14日 星期一

(2016-11-14 12:59:25) 下一个

SUMMARY:今天(11月14日 星期一)开盘时的房贷利率价格和上个工作日相比稍差
。目前重新贷款40万左右的利率,30年固定利率上升至3.875%,15年固定利率上升至
3.000%,5/1 ARM下降至3.250%。购房贷款40万左右,30年固定的利率上升至3.750%,
15年固定利率上升至2.875%,5/1 ARM上升至3.000%.

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 3.875 3.000 3.750 3.000 3.250 3.500
>$417K 4.125 3.250 4.000 3.250 3.500 3.625
Jumbo 4.000 4.000 ------ ------ 3.375 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.625 4.000
>$417K 4.750 3.875 4.250 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 3.000 3.375
APR 3.775 2.937 3.633 2.965 3.047 3.410
 
>$417K 3.950 3.125 3.875 3.250 3.250 3.375
APR 3.992 3.170 3.892 3.215 3.283 3.405
 
Jumbo 3.875 3.250 ------ ------ 3.125 3.250
APR 3.900 3.303 ------ ------ 3.154 3.273
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.990 3.375 4.125 4.375
APR 4.140 3.419 4.015 3.439 4.177 4.423

 

******************************* 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 3.875 3.250 3.875 3.250 3.500 4.000
>$417K 4.250 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.375 ------ ------
>$417K 4.375 ------ ------ ------ ------ ------
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.625 2.750 3.000 3.375
APR 3.681 2.848 3.623 2.893 3.025 3.403
 
>$417K 4.000 3.375 ------ ------ 3.125 3.250
APR 3.988 3.392 ------ ------ 3.133 3.259
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 4.125 4.375
APR 4.047 3.331 3.954 3.368 4.153 4.416

 

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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