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【方圆贷款利率—CA、TX】09月08日 星期四

(2016-09-08 13:02:00) 下一个

SUMMARY:今天(09月08日 星期四)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2.875%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定
利率上升在2.625%,5/1 ARM上升在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    3.375    2.750    3.250    2.625    2.875      3.250
>$417K      3.550    2.875    3.375     2.750     3.375      3.375
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    3.250    2.750     3.125        3.500
>$417K      3.990     3.375    3.750       ------      3.500      3.375
    
                    
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    2.750       2.875
APR           3.294    2.652    3.129    2.553     2.786      2.918
                     
>$417K      3.450    2.750    3.250       2.750     3.125        3.125
APR           3.472    2.770    3.293       2.759     3.151        3.164
                        
Jumbo        3.750     3.250     -----       -----     3.125       3.125
APR            3.779     3.312     -----       -----     3.156       3.140
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375   2.875    3.625        3.625
APR           3.670    3.062    3.440    3.017    3.658       3.665






******************************** 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     3.125        3.375
>$417K      4.500       -----      ------        -----     3.500      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.125    3.500    3.000       3.625      3.750
>$417K      4.625      -----      ------      -------       3.500    -----

                        
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    2.750       2.875
APR           3.291    2.647    3.110    2.523    2.765       2.919
                        
>$417K      3.750    3.375    -----       ------     3.125       3.125
APR           3.753     3.387    -----      ------     3.121       3.115
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.990    3.375    2.875    3.500       3.625
APR           3.640    3.057    3.436    2.966    3.536       3.662


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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