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【方圆贷款利率—CA、TX、FL】08月09日 星期二

(2016-08-09 12:05:45) 下一个

SUMMARY:今天(08月09日 星期二)开盘时的房贷利率价格和上个工作日相比持平。目前
重新贷款40万左右的利率,30年固定利率稳定在3.375%,15年固定利率稳定在2.750%,
5/1 ARM稳定至3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定
利率上涨至2.625%,5/1 ARM下降到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    3.375    2.750    3.250    2.500    3.000      3.250
>$417K      3.625    2.750    3.500     2.875     3.375      3.625
Jumbo        4.000    3.500     -----        ------    3.375      3.250
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.750     3.250        3.500
>$417K      4.125     3.250    3.875       ------      -----      -----
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.875       2.750
APR           3.290    2.661    3.181    2.507     2.677      2.803
                     
>$417K      3.500    2.750    3.375       2.750     3.125        3.250
APR           3.527    2.757    3.412       2.794     3.160        3.294
                        
Jumbo        3.875     3.375     -----       -----     3.125       3.125
APR            3.903     3.409     -----       -----     3.159       3.142
     
                                                       
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    3.625        3.625
APR           3.660    3.080    3.542    3.018    3.667       3.674






******************************** 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    3.375    2.750     3.250        3.500
>$417K      -----       -----      ------        -----     3.500      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    2.875       3.750      3.750
>$417K      -----      -----      ------      -------       3.500    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.500    2.625       2.750
APR           3.300    2.590    3.172    2.468    2.678       2.803
                        
>$417K      3.875    3.375    -----       ------     3.125       3.125
APR           3.877     3.399    -----      ------     3.124       3.117
                        
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    3.625       3.625
APR           3.630    3.045    3.521    2.978    3.664       3.671


******************************** 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    3.750        3.750
>$417K      -----      ------      ------      ------    3.750       ----- 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.125   3.625     3.000     -----         4.250 
>$417K      4.875     ------      ------     ------     4.000        4.250 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.500    3.250    2.500    2.875        2.990
APR           3.403    2.585    3.224    2.462    2.906        3.034
                        
>$417K      3.875    3.375    -----      ------    3.125         3.125
APR           3.881    3.407    -----      ------     3.128        3.122
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  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
APR           3.784    3.094    3.556    2.971    3.677       3.6843


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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