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【方圆贷款利率—CA、MD、VA】5月31日星期五

(2013-05-31 10:22:58) 下一个
方圆贷款今日房贷利率(CA、MD、VA)
SUMMARY:今天(5月31日星期五)开盘时的利率价格和昨天相比基本持平。目前重新贷款40万左右的利率30年固定仍为3.875%,15 年固定仍为3%,5/1 ARM仍为2.875%购房贷款40万左右,30年固定的利率仍为3.75%,15年固定仍为2.875%,5/1 ARM仍为2.5%

注:以下列出的利率都是带impound account的利率,其它条件请参见本帖底部参数。
 
********************* CALIFORNIA *********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.000 3.375               3.000 3.500
Jumbo                             2.875 3.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 2.500 2.875
APR 3.827 3.009 3.732 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500 3.375
APR 4.066 3.239               2.560 3.438
             
Jumbo                             2.750 3.375
APR                             2.804 3.431
                                           
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
********************** MARYLAND **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.000 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 2.500 2.875
APR 3.827 3.009 3.732 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500       
APR 4.066 3.239               2.560       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
********************** VIRGINIA **********************  
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.750 3.000 2.875 3.250
>$417K 4.125 3.375                            
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.125 3.875 3.000 3.000       
>$417K                                          
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.625 2.875 2.500 2.875
APR 3.827 3.009 3.732 3.071 2.571 2.948
             
>$417K 4.000 3.125               2.500       
APR 4.066 3.239               2.560       
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.125              
APR 4.083 3.395 3.990 3.336              
             
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: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
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;
    - <=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>=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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