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【方圆贷款利率—CA、TX】07月20日 星期四

(2017-07-20 16:14:44) 下一个

SUMMARY:今天(07月20日 星期四)开盘时的房贷利率价格和上个工作日相比下降。目
前重新贷款40万左右的利率,30年固定利率下降至3.875%,15年固定利率下降至3.
215%,5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定的利率下降至3.75%,
15年固定利率稳定在3.000%,5/1 ARM下降至3.000%.

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 3.875 3.125 3.625 3.000 3.250 3.375
>$417K 3.990 3.250 3.875 3.250 3.500 3.500
Jumbo 4.000 3.625 4.250 ------ 3.500 3.500
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.250 3.750 3.250 3.500 3.750
>$417K 4.125 3.750 4.250 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.990 3.500 2.875 3.000 3.250
APR 3.795 3.072 3.546 2.965 3.048 3.284
 
>$417K 3.800 3.125 3.750 3.000 3.125 3.250
APR 3.849 3.176 3.769 3.117 3.165 3.284
 
Jumbo 3.875 3.375 4.125 ------ 3.375 3.375
APR 3.905 3.436 4.151 ------ 3.388 3.390
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.950 3.500 3.500 3.750
APR 4.171 3.585 4.026 3.591 3.537 3.787

 

******************************* 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 4.000 3.250 3.875 3.250 3.500 3.875
>$417K 4.250 3.875 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.500 3.950 3.625 ------ 4.250
>$417K 4.250 4.000 4.375 ------ 3.625 3.625
 
PRIMARY RESIDENCE - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 2.875 3.500 2.875 3.000 3.250
APR 3.765 2.973 3.552 2.914 3.030 3.285
 
>$417K 3.875 3.500 4.125 ------ 3.375 3.375
APR 3.879 3.500 4.122 ------ 3.364 3.365
 
INVESTMENT PROPERTY - PURCHASE:
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 3.875 3.375 3.500 3.750
APR 4.140 3.475 3.954 3.493 3.557 3.808

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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