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【方圆贷款利率—CA、TX】12月22日 星期四

(2016-12-22 13:09:11) 下一个

SUMMARY:今天(12月22日 星期四)开盘时的房贷利率价格和上个工作日相比趋于稍差
。目前重新贷款40万左右的利率,30年固定利率稳定在4.25%,15年固定利率稳定至
3.375%,5/1 ARM上升至3.625%。购房贷款40万左右,30年固定的利率稳定在4.125%,
15年固定利率稳定在3.250%,5/1 ARM上升至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 4.125 3.375 3.875 3.250 3.625 3.750
>$417K 4.375 3.625 4.250 3.625 3.875 4.000
Jumbo 4.375 4.000 ------ ------ 3.625 3.875
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 4.125 3.500 3.875 4.125
>$417K 4.500 ------ 4.625 ------ 3.875 4.000
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.250 3.875 3.250 3.250 3.500
APR 4.125 3.294 3.861 3.199 3.299 3.531
 
>$417K 4.375 3.500 4.125 3.500 3.375 3.750
APR 4.381 3.551 4.135 3.554 3.418 3.792
 
Jumbo 4.250 3.750 ------ ------ 3.500 3.625
APR 4.283 3.801 ------ ------ 3.523 3.667
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.250 3.750 4.375 4.625
APR 4.505 3.832 4.294 3.868 4.430 4.665
******************************* 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 4.250 3.500 4.125 3.500 3.875 4.125
>$417K 4.625 4.375 ------ ------ 3.875 4.000
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.250 3.625 ------ ------
>$417K 4.625 ------ ------ ------ 4.000 4.125
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.875 3.250 3.250 3.500
APR 4.036 3.259 3.860 3.197 3.278 3.527
 
>$417K 4.375 3.875 ------ ------ 3.500 3.750
APR 4.364 3.888 ------ ------ 3.497 3.742
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.625 4.250 3.625 4.375 4.500
APR 4.412 3.726 4.293 3.771 4.408 4.536

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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