SUMMARY：今天（04月18日, 星期五）的固定利率和昨日相比稍有上涨。
40万左右的无费用重新贷款：
30年固定的利率最好可做到4.250%
15年固定的利率最好可做到3.375%
30年固定的利率维持在4.250%
15年固定的利率维持在3.250%
5/1 ARM的利率维持在2.625%
******************************* Maryland *******************************
1. Primary Residence--No cost refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.250% 3.375% 4.250% 3.375%
APR 4.250% 3.375% 4.250% 3.375%
>$417K 4.500% 3.500% ------- -------
APR 4.500% 3.500% ------- -------
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
2. Primary Residence—Cash-out refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.375% 3.500% 4.250% 3.375%
APR 4.375% 3.500% 4.250% 3.375%
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
3. Primary Residence ┅Purchase rate (No point):
Loan Amt 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.250% 3.250% 4.125% 3.250% 2.750%
APR 4.214% 3.266% 4.161% 3.221% 2.786%
>$417K 4.500% 3.500% ------- ------- 2.875%
APR 4.529% 3.549% ------- ------- 2.901%
4. Investment Property ┅Purchase rate (No point):
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.500% 3.625% 4.375% 3.500%
APR 4.480% 3.615% 4.390% 3.570%
******************************* Virginia *******************************
1. Primary Residence--No cost refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.375% 3.500% 4.250% 3.375%
APR 4.375% 3.500% 4.250% 3.375%
>$417K 4.625% 3.750% ------- -------
APR 4.625% 3.750% ------- -------
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
2. Primary Residence—Cash-out refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.375% 3.500% 4.250% 3.375%
APR 4.375% 3.500% 4.250% 3.375%
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
3. Primary Residence ┅Purchase rate (No point):
Loan Amt 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.250% 3.250% 4.125% 3.125% 2.750%
APR 4.204% 3.256% 4.153% 3.186% 2.786%
>$417K 4.500% 3.500% ------- ------- 2.875%
APR 4.529% 3.549% ------- ------- 2.901%
4. Investment Property ┅Purchase rate (No point):
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.500% 3.500% 4.375% 3.500%
APR 4.470% 3.549% 4.382% 3.471%
******************************* Washington *******************************
1. Primary Residence--No cost refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.250% 3.375% 4.125% 3.250%
APR 4.250% 3.375% 4.125% 3.250%
>$417K 4.375% 3.500% ------- -------
APR 4.375% 3.500% ------- -------
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
2. Primary Residence—Cash-out refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.250% 3.375% 4.125% 3.250%
APR 4.250% 3.375% 4.125% 3.250%
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
3. Primary Residence ┅Purchase rate (No point):
Loan Amt 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.125% 3.250% 4.125% 3.125% 2.625%
APR 4.080% 3.232% 4.062% 3.099% 2.651%
>$417K 4.375% 3.375% ------- ------- 2.875%
APR 4.414% 3.423% ------- ------- 2.901%
4. Investment Property ┅Purchase rate (No point):
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.500% 3.500% 4.375% 3.500%
APR 4.470% 3.492% 4.349% 3.410%
******************************* Texas *******************************
1. Primary Residence--No cost refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.250% 3.375% 4.250% 3.375%
APR 4.250% 3.375% 4.250% 3.375%
>$417K 4.375% 3.625% ------- -------
APR 4.375% 3.625% ------- -------
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
2. Primary Residence—Cash-out refinance rates:
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM
< =417K 4.250% 3.500% 4.250% 3.375%
APR 4.250% 3.500% 4.250% 3.375%
(Note: no point, no closing cost, covers appraisal fee, transfer tax, title
fee & credit report fee,etc)
3. Primary Residence ┅Purchase rate (No point):
Loan Amt 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.125% 3.125% 4.125% 3.125% 2.625%
APR 4.081% 3.131% 4.038% 2.081% 2.651%
>$417K 4.250% 3.250% ------- ------- 2.875%
APR 4.278% 3.298% ------- ------- 2.901%
4. Investment Property ┅Purchase rate (No point):
Loan Amount 30 Yrs Fix 15 Yrs Fix 20 Yrs Fix 10 Yrs Fix 5/1 ARM 7/1 ARM
< =417K 4.375% 3.500% 4.375% 3.375%
APR 4.358% 3.462% 4.353% 3.445%
Rates are based on the following assumptions, and may be different depends on conditions. Please contact us for details:
1. Single Family House/Townhouse
2. Credit score 740+
3. Primary residence.
4. LTV<=75%, no 2nd mortgage/HELOC.
5. Loan Amount>$400K
6. 30 days lock in period.
7. With Escrow / impound account
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