本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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- e' o* N3 }2 `% ZSUMMARY：（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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/ ^7 {- a2 @' a' C7 O! }8 o* }' N4 h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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1 k7 N% l) v6 U1 L5 u******************************** MARYLAND ********************************
; J3 ]( C4 V/ M1 t2 N0 IPRIMARY RESIDENCE - REGULAR REFINANCE RATE: 8 N5 ^* z0 x) c0 ^4 }
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM$ Q7 `: l, f3 ^ E
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375) R" d! J. d4 Z. ~6 q# U( j
>$417K 4.375 3.500 ------ ------ 3.250 4.250
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: F% x$ y; ~& \PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:# V) Z' K4 a. I. P
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM v+ s$ M$ p# i7 h2 q0 C* ]6 C/ C, T
<=$417K 4.250 3.375 4.125 3.250 3.500 4.5005 l3 k5 W$ Z3 C! O
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:
1 s- C+ A- a: W; v+ L 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
6 P6 W2 w+ G2 E ^<=$417K 4.125 3.125 4.000 3.125 2.875 3.2501 d, C) v. ^4 p; N2 @4 P
APR 4.203 3.260 4.108 3.322 2.948 3.3254 I! |: ~) |: _& E
9 N0 v1 c- K+ P* B5 s>$417K 4.250 3.375 ------ ------ 3.125 4.125; C+ k0 F1 O# |& ^' X$ d4 c9 ?# U
APR 4.317 3.490 ------ ------ 3.188 4.191
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6 r; C9 w6 {+ {6 i* H' T# N+ }INVESTMENT PROPERTY - PURCHASE RATE:+ F+ B, v. G5 d6 s6 Y
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
- _7 Z$ u* s+ g- J& G<=$417K 4.375 3.500 4.250 3.375 ------ ------2 i( N+ b6 u" l) T3 _' C: u. S( O: U
APR 4.460 3.646 4.367 3.587 ------ ------9 B) J' U: \* s
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******************************** VIRGINIA ********************************9 Y' o1 y' e6 l1 S# @2 @
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:, @8 _% s% d; ~6 {" l) Z
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
8 @3 g- v1 T2 T1 t" r8 S<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
& [+ l) O4 a) P5 j0 d6 t>$417K 4.375 3.625 ------ ------ 3.375 4.3753 E/ v' d8 Y) u4 A5 T% H
0 v- s3 _0 q( r* ]PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:, }$ \3 R C; g6 j" Z
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
2 o3 J2 z7 Q4 f" o, |<=$417K 4.250 3.375 4.125 3.375 3.500 4.500' d. g( ^. [9 y/ T
>$417K ------ ------ ------ ------ 3.500 4.500. h) U, ~$ q2 r
3 n+ f& _( y! h) Y9 h' @& @6 gPRIMARY RESIDENCE - PURCHASE RATE:
5 v" h0 a' }$ a; R* J& ~ 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
) T7 {# {$ ]. C3 V<=$417K 4.125 3.125 4.000 3.125 2.875 3.250( z- x. p5 @: o4 \
APR 4.203 3.260 4.108 3.322 2.948 3.325
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>$417K 4.250 3.375 ------ ------ 3.125 4.125
! Q% g. H' W4 h/ n3 x1 iAPR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:
, c. E9 Q+ `4 f, U& Z H 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
& G, Q6 {, [' Y8 S0 S0 Z<=$417K 4.375 3.500 4.250 3.375 ------ ------! @. i, F2 d" d
APR 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.* @# G% k) o# v* z, q2 k
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Rates above are based on the following assumptions:+ H- N9 [4 |; `0 | p
- D2 k% ]* V1 N3 g: l3 s; `1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
6 T) R: u( `( |: M2. Loan-To-Value (LTV): ) y) k% g3 r( O1 J3 U. S
- <=75% for Primary Residence Conforming Refinance & Purchase;
8 x8 n; F4 ]) `- M+ B. r1 p0 j, s - <=70% for Primary Residence Conforming Cash-Out Refinance;3 H. Y% s: f! b! L. i9 q6 u& q* I- C& K* k
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
8 a& Z; y+ J5 B5 B) [6 I/ w - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
" f9 n0 j# K D0 D! D8 v - <=75% for Investment Property Conforming Purchase;0 i" G4 k8 k( L7 c+ Q
- <=65% for Jumbo Refi & Purchase.
' B4 B) n# [) O/ m+ K7 w3. Primary Residence except specified;
/ h+ Y1 ]& _2 O/ C* @4. Single Family Residence;
& U/ ~7 d* B- A8 o. Z! c! o4 z5. Credit score>=740;: _ |+ e& n! ]% m
6. With Impound/Escrow Account;4 Y' K% `: J2 o5 h/ v% ~
7. 30-day lock;
" T2 _6 L$ ]+ t( }$ R, r2 q% n! L& p8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based) J" ?+ D* ~ V; h, S2 ?, M5 z
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For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.1 f5 ^' Z) W6 O$ K
& h# a* H8 t- N0 x" X/ k: u) z# D- J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
