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【方圆贷款利率—CA、TX、FL】05月19日 星期四

(2016-05-19 17:10:53) 下一个

SUMMARY:今天(05月19日星期四)开盘时的房贷利率价格和昨日相比持平。目前重新贷
款40万左右的利率,30年固定利率稳定为3.625%,15年固定维持为2.750%,5/1 ARM
稳定为3.125%。购房贷款40万左右,30年固定的利率维持为3.500%,15年固定稳定为2.
750%,5/1 ARM稳定为2.875%。

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    3.625    2.750    3.500    2.750    3.125      3.375
>$417K      3.750    3.000    3.625     3.000    3.125      3.500
Jumbo        4.125    3.750    4.125       ------    3.000     3.375
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.625    2.875     3.250        3.625
>$417K      4.200     3.500    4.250      ------     3.125       3.500
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625    2.875       3.000
APR           3.522    2.753    3.433    2.660     2.914       3.051
                     
>$417K      3.700    2.875    3.500       2.875     3.000        3.375
APR           3.726    2.935    3.544       2.964     3.036        3.402
                        
Jumbo        4.000     3.500     4.000       -----     2.875       3.250
APR            4.040     3.548     4.026       -----     2.917       3.283
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.125    3.750   3.000    3.000        3.375
APR           3.887    3.200    3.752    3.135    3.045        3.411




******************************** 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    3.625    2.875    3.500    2.875     3.375        3.750
>$417K      4.500      4.125     4.500       -----     3.375      3.625
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.950   3.250    3.625    3.000       3.875      4.125
>$417K      4.500     4.125     4.500     ------      3.375     3.625
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.500    2.875       3.000
APR           3.489    2.713    3.402    2.618    2.893       3.048
                        
>$417K      4.125    3.375    4.000       ------     3.000       3.250
APR           4.121     3.404    4.025      ------     3.012       3.265
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625    3.000    3.000       3.375
APR           3.780    3.160    3.681    3.077    3.046       3.412



******************************** FLORIDA ********************************
    (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest 
      Area only. 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    3.250    3.625    3.000     -----        4.125
>$417K      4.875      ------      ------      ------    4.000       4.250 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    4.125    3.375   3.750     3.125     -----         ----- 
>$417K      4.875     ------      ------     ------     4.000        4.250 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.750    3.375    2.500    2.875        3.250
APR           3.614    2.803    3.408    2.612    2.912        3.296
                        
>$417K      4.125    3.625    4.000      ------    3.000         3.250
APR           4.125    3.635    4.026      ------     3.013        3.270
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.950    3.250    3.750    3.000    3.000       3.375
APR           3.983    3.332    3.768    3.125    3.046       3.412


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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