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【方圆贷款利率—CA、MD、VA】6月19日星期三

(2013-06-19 09:08:43) 下一个
方圆贷款今日房贷利率(CA、MD、VA)
SUMMARY:今天(6月19日星期三)的利率价格和昨天相比继续变差。目前重新贷款40万左右的利率30年固定仍维持在4%,15 年固定仍为3.125%,5/1 ARM仍为2.875%。购房贷款40万左右,30年固定的利率仍为3.875%,15年固定仍为2.875%,5/1 ARM仍为2.5%

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 *******************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0002.8753.250
>$417K4.1253.375            2.875      3.250      
Jumbo                        3.0003.625      
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0003.000      
>$417K                                    
       
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8752.8753.7502.8752.5002.875
APR3.9523.0093.8573.0712.5712.948
       
>$417K4.0003.125            2.500      
APR4.0663.239            2.560      
       
Jumbo                        2.8753.500
APR                        2.9293.556
                                     
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.125            
APR4.2093.3954.1163.336            


******************************** MARYLAND ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0002.8753.250
>$417K4.1253.375            2.875      3.250      
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0003.000      
>$417K                                    
       
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8752.8753.7502.8752.5002.875
APR3.9523.0093.8573.0712.5712.948
       
>$417K4.0003.125            2.5003.000      
APR4.0663.239            2.5603.062      
       
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.125            
APR4.2093.3954.1163.336            


******************************** VIRGINIA ********************************
       
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0002.8753.250
>$417K4.1253.375                        
       
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.0003.1253.8753.0003.000      
>$417K                                    
       
PRIMARY RESIDENCE - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K3.8752.8753.7502.8752.5002.875
APR3.9523.0093.8573.0712.5712.948
       
>$417K4.0003.125            2.500      
APR4.0663.239            2.560      
       
INVESTMENT PROPERTY - PURCHASE RATE:
(Following rates are based on the loan parameters listed at the bottom of this post)
 30-Yr15-Yr20-Yr10-Yr5/1 ARM7/1 ARM
<=$417K4.1253.2504.0003.125            
APR4.2093.3954.1163.336            
       
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: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
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。
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