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【方圆贷款利率—CA、TX】10月26日 星期三

(2016-10-26 10:53:42) 下一个

SUMMARY:今天(10月26日 星期三)开盘时的房贷利率价格和上个工作日相比稍好
。目前重新贷款40万左右的利率,30年固定利率下降至3.500%,15年固定利率下降至
2.750%,5/1 ARM下降至3.000%。购房贷款40万左右,30年固定的利率稳定在3.375%,
15年固定利率下降至2.625%,5/1 ARM下降至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    3.250    2.625    3.000      3.250
>$417K      3.625    3.125    3.375     2.875     3.375      3.375
Jumbo        3.875    3.125     -----        ------    3.250      3.250
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    3.125    3.375    2.875     3.250        3.500
>$417K      4.000     3.500    3.875       3.625      3.375      3.375
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.125    2.500    2.750       2.990
APR           3.375    2.690    3.161    2.636     2.799      3.036
                    
>$417K      3.450    2.750    3.375       2.750     3.125        3.250
APR           3.497    2.801    3.390       2.820     3.162        3.268
                       
Jumbo        3.750     3.250     -----       -----     3.000       3.125
APR            3.542     3.313     -----       -----     3.037       3.147
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.700   3.000    3.500   3.125    3.625        3.750
APR           3.750    3.096    3.493    3.211    3.669       3.790

 

 


******************************** 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    2.875    3.375    2.875     3.250        3.500
>$417K      4.375       -----      ------        -----     -----      3.375
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.125    3.500    3.125       3.875      3.875
>$417K      4.000      -----      ------      -------       -----    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       2.990
APR           3.305    2.684    3.157    2.597    2.779       3.013
                       
>$417K      3.750    3.375    -----       ------     3.000       3.125
APR           3.756     3.402    -----      ------     3.005       3.122
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    3.000    3.625       3.750
APR           3.660    3.091    3.488    3.118    3.648       3.787

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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