本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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SUMMARY：（11:30AM更新）目前重新贷款40万左右的利率，30年固定降至4.125%，15 年固定仍为3.375%，5/1 ARM略涨至3.375%。购房贷款40万左右，30年固定的利率仍为4.125%，15年固定略降至3.125%，5/1 ARM略降至2.875%。/ S0 | P4 r( {% |" ]# M$ z1 F
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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。
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******************************** MARYLAND ********************************
4 y6 y" a2 ~$ D! TPRIMARY RESIDENCE - REGULAR REFINANCE RATE:
' b- Z5 y+ t4 R/ | 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM8 b( _7 ?( w7 _4 A! Z: G, i
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375' F7 _& l# S: G! d
>$417K 4.375 3.500 ------ ------ 3.250 4.250$ N3 W6 i8 h1 D8 }
2 E8 [- X. |5 x7 y t; ~( {4 ^) DPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
, j! U) z( ?* }2 {0 F: T/ E# e 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM9 @8 P5 K/ b5 E" b- w
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
/ r2 q$ n. m# ^5 M4 s9 S! L>$417K ------ ------ ------ ------ 3.500 4.500
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: O) ?7 ?0 g2 }( S3 [" ]( A- M* gPRIMARY RESIDENCE - PURCHASE RATE:) g& X& e% q; {( P
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM* T" k& r, Y. _2 [! q0 f2 j2 K( k
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250, F( h0 a% j6 ~# t4 r
APR 4.203 3.260 4.108 3.322 2.948 3.3251 n; v* k1 _4 b
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>$417K 4.250 3.375 ------ ------ 3.125 4.125
5 A+ w, d+ h0 Z* L5 {3 A( E. c. oAPR 4.317 3.490 ------ ------ 3.188 4.191
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9 p3 @5 u% S2 N4 f+ Y+ ^$ t! NINVESTMENT PROPERTY - PURCHASE RATE:$ {3 B' C9 O5 d8 X' n
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
, S4 o ^5 `0 i7 H& q' U<=$417K 4.375 3.500 4.250 3.375 ------ ------
4 g2 O7 @4 ?1 h c6 _: DAPR 4.460 3.646 4.367 3.587 ------ ------
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PRIMARY RESIDENCE - REGULAR REFINANCE RATE:; e H# X/ n5 {8 p
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
- H6 x: ]0 k+ Y<=$417K 4.250 3.375 4.125 3.375 3.375 4.375$ ~! }+ k9 p; i5 ]2 M: g2 a2 e* l4 l
>$417K 4.375 3.625 ------ ------ 3.375 4.375
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:9 y5 ~( c+ Z( M0 S
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
; ^, A+ T- R% r7 j+ L<=$417K 4.250 3.375 4.125 3.375 3.500 4.5002 b5 ^2 y2 _ k3 ?! S; P8 X" J
>$417K ------ ------ ------ ------ 3.500 4.500. R# P3 S/ l3 X1 p) Q$ \3 h% }. f
0 Z% z$ k$ O7 }0 J$ g/ cPRIMARY RESIDENCE - PURCHASE RATE:; {5 f1 z6 j( y g
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM# G% S+ S( g) Y
<=$417K 4.125 3.125 4.000 3.125 2.875 3.2507 S U% V* Y2 V; N" u- R- z
APR 4.203 3.260 4.108 3.322 2.948 3.325/ b; j/ m7 k5 H! q# `
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>$417K 4.250 3.375 ------ ------ 3.125 4.125
0 J& [% W, n; m3 k* j! dAPR 4.317 3.490 ------ ------ 3.188 4.1915 O$ m$ Z2 _! n" L. a' D
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INVESTMENT PROPERTY - PURCHASE RATE: * g9 b* x" c2 V+ f0 _, d( o
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
5 k$ b) X, y0 J* N7 f' x<=$417K 4.375 3.500 4.250 3.375 ------ ------
; ~% {- Q1 e& r3 ]5 ? AAPR 4.460 3.646 4.367 3.587 ------ ------
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Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.' I. M! R" A5 ?% [- w
* i/ B5 L# {/ C* u$ }* ^Rates above are based on the following assumptions:" {8 M% G+ g- `3 U7 B
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
0 G. t+ K- t" `* w6 E2. Loan-To-Value (LTV):
: P- S8 o/ |" I - <=75% for Primary Residence Conforming Refinance & Purchase;
3 J( \! O$ R# s) h6 \/ j k6 V - <=70% for Primary Residence Conforming Cash-Out Refinance;$ G ~+ c4 G4 J k
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);% o' r: Z' s1 ~$ @: Z! ]
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
; d: X% ~+ k+ P; r4 J" t - <=75% for Investment Property Conforming Purchase;
+ ~% O& x0 N3 ~( c8 z8 o - <=65% for Jumbo Refi & Purchase.
z- c4 ]" v- E. G! \5 { N& v( R3. Primary Residence except specified;
: F% V }( \& i* P' P" S' w4. Single Family Residence;; f% ?2 l" A% D8 G) K9 t# ~' p8 w. m# V
5. Credit score>=740;
' w$ ~6 N1 P! W5 `8 u5 k6. With Impound/Escrow Account;
l& ?1 V6 s. {" V4 Y! Y7. 30-day lock;' e$ H Y" G. h) W
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
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For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.2 O2 ~ g# d% u7 ~2 Z$ k! w: j
9 e+ V" W1 ~( X5 P2 M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。 |
发表于 2013-7-1 15:03:42
