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【方圆贷款利率—CA、TX】11月28日 星期一

(2016-11-28 12:32:15) 下一个

SUMMARY:今天(11月28日 星期一)开盘时的房贷利率价格和上个工作日相比稳定
。目前重新贷款40万左右的利率,30年固定利率稳定至4.000%,15年固定利率稳定至
3.250%,5/1 ARM稳定至3.500%。购房贷款40万左右,30年固定的利率稳定至3.875%,
15年固定利率稳定至3.125%,5/1 ARM稳定至3.250%.

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 4.000 3.250 3.750 3.125 3.500 3.875
>$417K 4.200 3.375 4.125 3.875 3.625 3.750
Jumbo 4.250 3.750 ------ ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.250 3.875 4.250
>$417K 4.750 4.375 4.625 ------ 3.875 3.750
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.250 3.500
APR 3.906 3.187 3.697 3.053 3.284 3.510
 
>$417K 4.050 3.250 4.000 3.375 3.375 3.500
APR 4.098 3.333 4.026 3.434 3.406 3.534
 
Jumbo 4.000 3.625 ------ ------ 3.250 3.375
APR 4.041 3.647 ------ ------ 3.274 3.393
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.990 3.625 ------ ------
APR 4.286 3.669 4.070 3.689 ------ ------

 

******************************* 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 4.125 3.375 3.990 3.250 3.750 4.125
>$417K 4.375 ------ ------ ------ ------ 3.750
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 4.000 3.625 ------ ------
>$417K 4.375 ------ ------ ------ ------ 3.875
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.000 3.625 3.000 3.125 3.375
APR 3.890 3.099 3.693 3.052 3.161 3.426
 
>$417K 4.125 3.625 ------ ------ 3.250 3.375
APR 4.121 3.641 ------ ------ 3.252 3.389
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.990 3.500 4.375 ------
APR 4.255 3.582 4.060 3.619 4.406 ------

 

 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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