加州贷款利率
为加州华人提供贷款信息和经验交流。 我们的宗旨是忠诚于人，勤奋于事，将心比心，帮人第一。联系方式： jingsunloan@gmail.com
Rates stopped dropping but volatility will remain much of the story for next
couple of weeks with releases of different economic indicator reports.
Conforming loan (<=$417k)
Purpose of Loan 30 YR 15 YR 5/1 7/1
Purchase Loan 4.375 3.375 3.250 3.625
Refinance Loan 4.375 3.375 3.375 n/a
The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=400K,FICO>=740,LTV<=75%,O/O,SFH
There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen. Adding impound account
might bring in better rates.
Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.
High Balance Loan (<=625k)
Purpose of Loan 30 YR 15 YR 5/1 7/1
Purchase Loan 4.750 3.500 n/a n/a
Refinance Loan 4.750 3.500 n/a n/a
The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=600K,FICO>=740,LTV<=75%,O/O,SFH
There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.
Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.
Jumbo Loan ( Up to 2M)
Purpose of Loan 30 YR 15 YR 5/1 7/1
Purchase Loan 5.000 4.125 3.750 4.250
Refinance Loan 5.125 4.250 3.875 4.375
The rates are based on criterion below and
good for the time when they are quoted:
Loan$>=729K,FICO>=760,LTV<=60%,O/O,SFH
There is no point, no fee for refinance but
there is fee for purchase loan. Some rates
require GC/Citizen.Adding impound account
might bring in better rates.
Rate change is subject to loan amount,
impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type
( investment or second home),GC/Citizen,
LTV and other conditions.
