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【方圆贷款利率—CA、MD、VA】7月8日星期一

(2013-07-08 09:38:07) 下一个
方圆贷款今日房贷利率(CA、MD、VA)
SUMMARY:今天(7月8日星期一)开盘时房贷二级市场打包贷款债券的价格回升,导致相应的房贷利率价格变好。目前重新贷款40万左右的利率,30年固定仍维持在4.5%,15 年固定仍为3.5%,5/1 ARM仍为3.5%。购房贷款40万左右,30年固定的利率回落至4.375%,15年固定仍为3.375%,5/1 ARM仍为3.25%。

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:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.500 4.500
>$417K 4.625 3.750 ------ ------ 3.375 4.375
Jumbo 5.750 ------ ------ ------ 3.375 4.375
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.500 4.500
>$417K ------ ------ ------ ------ 3.375 4.375
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 3.250 4.250
APR 4.455 3.511 4.359 3.447 3.330 4.329
             
>$417K 4.625 3.500 ------ ------ 3.250 4.250
APR 4.693 3.616 ------ ------ 3.313 4.317
             
Jumbo 5.625 ------ ------ ------ 3.250 4.125
APR 5.689 ------ ------ ------ 3.305 4.183
                                           
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.250 4.250
APR 4.711 3.772 4.618 3.712 3.313 4.317
 
******************************** MARYLAND ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.500 4.500
>$417K 4.625 3.750 ------ ------ 3.500 4.500
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.375 3.375 3.625 4.625
>$417K ------ ------ ------ ------ 3.625 4.625
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 3.250 4.250
APR 4.455 3.511 4.359 3.447 3.325 4.329
             
>$417K 4.625 3.500 ------ ------ 3.250 4.250
APR 4.693 3.616 ------ ------ 3.313 4.317
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.250 4.250
APR 4.711 3.772 4.618 3.712 3.325 4.329
 
******************************** VIRGINIA ********************************
             
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.500 4.500 3.500 3.625 4.625
>$417K 4.625 3.750 ------ ------ 3.625 4.625
             
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:    
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.500 4.500 3.500 3.625 4.625
>$417K ------ ------ ------ ------ 3.625 4.625
             
PRIMARY RESIDENCE - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.375 4.250 3.250 3.250 4.250
APR 4.455 3.511 4.359 3.447 3.325 4.329
             
>$417K 4.500 3.500 ------ ------ 3.250 4.250
APR 4.568 3.616 ------ ------ 3.313 4.317
             
INVESTMENT PROPERTY - PURCHASE RATE:      
  30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 3.625 4.500 3.500 3.250 4.250
APR 4.711 3.772 4.618 3.712 3.325 4.329
             
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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