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【方圆贷款利率—CA、TX、FL】07月12日星期二

(2016-07-12 11:15:54) 下一个

SUMMARY:今天(07月12日星期二)开盘时的房贷利率价格和上个工作日相比稍差。目前
重新贷款40万左右的利率,30年固定利率稳定在3.375%,15年固定利率稳定在2.750%,
5/1 ARM上升至3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定
利率稳定在2.625%,5/1 ARM稳定至2.750%.


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    3.375    2.750    3.250    2.500    3.000      3.250
>$417K      3.625    2.750    3.500     2.875      3.500      3.625
Jumbo        4.000    3.375     -----        ------    3.250      3.250
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625     3.250        3.500
>$417K      3.990     3.375    3.875       ------      -----      4.250
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.625    3.125    2.500    2.750       2.875
APR           3.304    2.663    3.181    2.456     2.789      2.918
                     
>$417K      3.500    2.750    3.375       2.750     3.375        3.625
APR           3.516    2.722    3.400       2.805     3.399        3.648
                        
Jumbo        4.000     3.250     -----       -----     3.125       3.000
APR            4.024     3.297     -----       -----     3.150       3.036
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500   2.875    3.750        3.750
APR           3.670    3.062    3.563    2.966    3.787       3.801





******************************** 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    3.500    2.750    3.375    2.625     3.250        3.500
>$417K      4.625       -----      ------        -----     3.375      -----
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    2.750       -----      3.875
>$417K      4.625      -----      ------      -------       3.375    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.250    2.500    2.750       2.875
APR           3.289    2.583    3.181    2.418    2.781       2.919
                        
>$417K      3.875    3.375    -----       ------     2.875       3.000
APR           3.881     3.373    -----      ------     2.889       2.992
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.500    2.875    3.750       3.750
APR           3.650    3.045    3.549    2.927    3.765       3.780



******************************** 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    3.625    2.875    3.500    2.750    -----        3.875
>$417K      -----      ------      ------      ------    3.625       ----- 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125   3.625     2.875     -----         4.375 
>$417K      -----     ------      ------     ------     3.625        ----- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.250    2.500    2.750        3.125
APR           3.286    2.579    3.197    2.411    2.800        3.166
                        
>$417K      3.875    3.375    -----      ------    2.875         3.000
APR           3.886    3.381    -----      ------     2.893        2.996
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.500    2.875    3.750       3.750
APR           3.764    3.059    3.545    2.920    3.785       3.799


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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