个人资料
正文

【方圆贷款利率—CA、TX、FL】05月05日 星期四

(2016-05-05 10:46:21) 下一个

SUMMARY:今天(05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年固定利率下降为在3.500%,15年固定维持为2.750%,5/1 ARM
维持为2.875%。购房贷款40万左右,30年固定的利率维持为3.500%,15年固定稳定在2.
750%,5/1 ARM维持为2.750%

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    3.375    2.750    2.875      3.250
>$417K      3.700    3.000    4.000     3.500    3.000      3.375
Jumbo        4.000    3.500    3.875       ------    2.875     3.250
  
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.500    2.750     3.125        3.375
>$417K      4.125     3.500    4.125      ------     3.000       3.375
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625    2.750       2.875
APR           3.501    2.717    3.377    2.759     2.896       2.915
                     
>$417K      3.625    2.990    3.875       3.375     2.875        3.125
APR           3.669    3.007    3.921       3.456     2.901        3.172
                        
Jumbo        3.875     3.375     3.750       -----     2.750       3.125
APR            3.904     3.444     3.804       -----     2.782       3.148
                                                            
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625   3.000    2.875        3.125
APR           3.792    3.093    3.684    3.056    2.910        3.181




******************************** 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    3.625    2.875    3.500    2.750     3.500        3.500
>$417K      4.375      4.000     4.375       -----     3.250      3.500
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.250    3.625    3.000       3.750      3.750
>$417K      4.375     4.000     4.375     ------      3.250     3.500
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.625    2.875       2.875
APR           3.404    2.678    3.305    2.702    2.894       2.913
                        
>$417K      4.000    3.500    3.875       ------     2.875       3.125
APR           3.990     3.487    3.900      ------     2.887       3.130
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625    2.875    2.875       3.250
APR           3.760    3.053    3.653    3.004    2.920       3.286



******************************** 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    3.875    3.250    3.625    3.250     3.750        3.750
>$417K      4.750      ------      ------      ------    3.875       4.125 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.950    3.500   3.750     3.500     ------        4.250 
>$417K      4.750     ------      ------     ------     3.875        4.125 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.250    2.750    2.875        3.125
APR           3.527    2.841    3.326    2.826    2.921        3.162
                        
>$417K      4.000    3.500    3.875      ------    2.875         3.250
APR           4.008    3.533    3.901      ------     2.888        3.253
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250    3.625    3.375    2.875       3.250
APR           3.913    3.349    3.672    3.457    2.921       3.287


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

[ 打印 ]
阅读 ()评论 (0)
评论
博主已隐藏评论
博主已关闭评论