本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑 2 y) @* s1 P8 U( h" q
2 H2 e9 c8 g, O" C6 r% ]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%。
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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。$ R& z3 d N: u5 C7 d2 r
2 Q6 w( J" U7 R" V******************************** MARYLAND ********************************% A3 a) G5 k1 _( @0 a* c
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: - B+ t$ t; d S1 w' \
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM) \+ f5 V" V* Y: c) H
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375# e2 y% I8 ^0 Y: U7 U! E |
>$417K 4.375 3.500 ------ ------ 3.250 4.250! E- D" B+ C* V9 @/ k. a, P& i4 ], _
# ?+ u3 T1 r% G% s1 j2 I+ v; RPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
7 B. s7 d1 q3 I4 ]5 q4 l) S+ h 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
( d; }: K7 P4 t<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
4 z9 ^" n$ H# z; n3 t& G( X>$417K ------ ------ ------ ------ 3.500 4.500
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; w% |. g6 `/ x# ?PRIMARY RESIDENCE - PURCHASE RATE:
1 o4 c/ ~: ?1 M6 g0 B& t 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM( X: z6 r3 ^* S% J% n7 m+ U
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
7 n. C( \1 ^) m W/ H5 ^: H# `APR 4.203 3.260 4.108 3.322 2.948 3.325
5 `$ ^: J; j6 @1 x1 D' x2 U3 U- U 7 a! J( j; ]+ M$ j
>$417K 4.250 3.375 ------ ------ 3.125 4.1253 e1 u, |7 J8 ~3 j
APR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:, k( L9 c# A7 S& A
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
( s7 a0 t; Y9 @1 V! ^9 y# M) |<=$417K 4.375 3.500 4.250 3.375 ------ ------$ B6 ^+ X3 V, o/ t) K$ P
APR 4.460 3.646 4.367 3.587 ------ ------
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; k% N& i- C+ k) A9 r( s1 U b3 c3 l******************************** VIRGINIA ********************************
7 Y; o5 o V; j; IPRIMARY RESIDENCE - REGULAR REFINANCE RATE:$ i* `) X/ v5 G9 h6 ]
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM- H3 F' q$ P! z, q1 |/ \2 v' p
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
) c, A, h3 U1 }& t, O0 Q>$417K 4.375 3.625 ------ ------ 3.375 4.375& e L7 x& k4 q5 n0 D- Y
1 q' S1 z3 T6 ^, {* C- L1 PPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:3 Q0 P T A% D6 p i
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
6 T7 Y# b- r, O& q6 Z) t<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
# p$ y+ z* d6 d: t% v2 k>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:' T$ i; W W+ P$ ]
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM! f+ i/ { Z) L9 z; P1 o
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
0 G" h& \3 R2 N7 F' b# _APR 4.203 3.260 4.108 3.322 2.948 3.325) c3 J4 C6 h; U* k7 f& v; h
/ X7 i9 y- Z4 u" X* z$ m- w* f>$417K 4.250 3.375 ------ ------ 3.125 4.125
: U1 P# N# k W( [APR 4.317 3.490 ------ ------ 3.188 4.191; t3 S/ j. P9 V( b5 l3 i
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INVESTMENT PROPERTY - PURCHASE RATE:
9 r/ V1 q6 W0 |5 V9 F+ W6 D 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM& t5 m( Q: q# w" l! C) I% X2 y! _% K
<=$417K 4.375 3.500 4.250 3.375 ------ ------
6 m3 G/ C& J* J2 G: M7 x$ BAPR 4.460 3.646 4.367 3.587 ------ ------) K* v2 l. `* H
# T3 i9 T4 t! G! vPlease note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.0 Y* q! y" Q3 N9 M# Y5 W$ i
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Rates above are based on the following assumptions:' w& f6 P2 }; ]. i: |
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;# @( Q. t! r2 ?' h' F
2. Loan-To-Value (LTV): 6 G4 o5 A# U+ A+ }1 X) n
- <=75% for Primary Residence Conforming Refinance & Purchase;
4 s/ P' w) X. E; O; Y q - <=70% for Primary Residence Conforming Cash-Out Refinance;
, E8 k( \" x, ~ - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
k C+ X7 q& S$ ^ - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;3 |; u* B" H2 Z+ ]3 e
- <=75% for Investment Property Conforming Purchase;" s+ T' ]6 ^* D p) \5 o7 \
- <=65% for Jumbo Refi & Purchase.
$ @5 E6 u+ n+ A0 A& ]# U, U% J7 `3. Primary Residence except specified;# f" f& {4 e/ T+ U- x1 |. S6 }
4. Single Family Residence;
8 a% r0 c" \7 g5 S9 w5. Credit score>=740;8 q) x+ ?# z. y8 V
6. With Impound/Escrow Account;$ m* {/ m/ |6 T9 W" N. u0 s
7. 30-day lock;
. {( A" a9 c7 k: _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.
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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
