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【方圆贷款利率—CA、TX】09月05日 星期二

(2017-09-05 13:51:13) 下一个

SUMMARY:今天(09月05日 星期)开盘时的房贷利率价格和上个工作日相比略微下降
。目前重新贷款40万左右的利率,30年固定利率下降至3.625%,15年固定利率稳定在3.
000%,5/1 ARM降稳定至3.125%。购房贷款40万左右,30年固定的利率稳定在3.625%,
15年固定利率下降至2.750%,5/1 ARM下降至2.990%.


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 3.625 3.000 3.500 2.875 3.125 3.375
>$417K 3.875 3.125 3.875 ------ 3.500 3.625
Jumbo 3.875 3.500 4.125 ------ 3.250 3.375
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 3.625 3.625
>$417K 4.250 3.625 4.000 ------ 3.500 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.375 2.750 2.990 3.125
APR 3.629 2.847 3.421 2.787 3.043 3.177
 
>$417K 3.750 3.000 3.625 ------ 3.250 3.375
APR 3.755 3.062 3.661 ------ 3.271 3.392
 
Jumbo 3.750 3.250 4.000 ------ 3.125 3.125
APR 3.762 3.326 4.026 ------ 3.140 3.157
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.250 3.375 3.625
APR 4.036 3.419 3.813 3.393 3.411 3.662

 

******************************* 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 3.750 3.125 3.625 3.000 3.750 3.750
>$417K 4.000 3.750 4.250 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.750 3.500 ------ 3.990
>$417K 4.125 3.875 4.250 ------ 3.750 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 2.990 3.125
APR 3.535 2.812 3.413 2.736 3.044 3.178
 
>$417K 3.750 3.375 4.000 ------ 3.125 3.250
APR 3.768 3.384 3.997 ------ 3.137 3.245
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.375 3.625
APR 3.921 3.331 3.785 3.243 3.432 3.683

 

 

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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