SUMMARY: 今早利率初次发布后,银行又下调了两次利率价格,重新贷款30年固定可以做到4.5%了! |
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************************* CALIFORNIA ************************ |
REFINANCE RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.250 | 3.500 |
<=$729K | 4.750 | 4.125 | | | 3.500 | |
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REFINANCE CASH-OUT RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.625 | 4.000 | 4.500 | 3.875 | 3.500 | 3.750 |
<=$729K | | | | | | |
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PURCHASE RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.375 | 3.750 | 2.750 | 3.000 |
APR: | 4.483 | 3.937 | 4.524 | 4.020 | 2.848 | 3.100 |
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<=$729K | 4.625 | 4.000 | | | 3.000 | |
APR: | 4.715 | 4.154 | | | 3.082 | |
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************************* MARYLAND ************************* |
REFINANCE RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.500 | 3.875 | 4.375 | 3.750 | 3.125 | 3.375 |
<=$729K | 4.750 | 4.125 | | | 3.375 | |
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REFINANCE CASH-OUT RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.625 | 3.875 | 4.375 | 3.750 | 3.375 | 3.625 |
<=$729K | | | | | | |
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PURCHASE RATE: |
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| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM |
<=$417K | 4.375 | 3.750 | 4.375 | 3.750 | 2.750 | 3.000 |
APR: | 4.483 | 3.937 | 4.524 | 4.020 | 2.848 | 3.100 |
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<=$729K | 4.625 | 4.000 | | | 3.000 | |
APR: | 4.715 | 4.154 | | | 3.082 | |
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Rates above are based on the following assumptions: 1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans; 2. Loan-To-Value (LTV): - <=80% for Conforming Refinance and Purchase; - <=70% for Conforming Cash-Out Refinance; - <=75% for Super-Conforming Refinance and Purchase; - <=65% for Super-Conforming Cash-Out Refinance. 3. Primary Residence; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account. For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
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