本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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- l: B+ a! D) H# [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%。5 U4 z! t1 g- i- \; b
. ?, g5 U" K/ N$ L* N5 o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。, c8 s: Y" x: V3 W: D( G! c
" i5 X7 W1 h" w******************************** MARYLAND ********************************
6 c T/ S4 \. E; f/ L. l" fPRIMARY RESIDENCE - REGULAR REFINANCE RATE:
9 }' B; c0 G& ~" G* |' _ 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM- Z a+ \1 o4 d& A# v8 z
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
; W0 B( l9 i9 {- N>$417K 4.375 3.500 ------ ------ 3.250 4.250
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE: h& h- x5 X3 f$ n+ s6 }6 x
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
+ W/ ]5 @: I8 S! p<=$417K 4.250 3.375 4.125 3.250 3.500 4.5006 }% [' ?% F! Q3 i" V
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:& G1 K* d) Z$ w" E! O& {5 V
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
" ^8 y2 |( X. {" u0 w; [<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
2 {2 A" Q% {. y2 y' y: Q3 z% vAPR 4.203 3.260 4.108 3.322 2.948 3.325
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>$417K 4.250 3.375 ------ ------ 3.125 4.125/ r( y7 w( R% }
APR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:
& Z+ n8 F$ V+ t3 W7 {, T 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM) T+ g- C1 y1 E) n# ]% ]
<=$417K 4.375 3.500 4.250 3.375 ------ ------
; Z2 E8 J- \4 x( w3 M& ~6 SAPR 4.460 3.646 4.367 3.587 ------ ------
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******************************** VIRGINIA ********************************6 b+ n6 Z' E( t, x& j) g8 a
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
# Y; @" \4 b4 B; W, C2 q 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: e4 X, d0 Y: g8 N' e<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
( P c) i2 G4 F% k>$417K 4.375 3.625 ------ ------ 3.375 4.3752 L+ r+ K, ~: h6 Z) i6 z1 B
) c4 [7 k# c: |; L6 oPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:7 D6 Q Q* n: K# `5 x" `
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
' e6 W. N/ p& C3 D0 F* L- ]- r<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
$ p$ V4 |# ]( Z4 z% W>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:
. \" f8 v' T* K* j8 l 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM4 c. l# c2 z9 e. o. z
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250# Z9 }6 J, y; L1 b2 I7 a$ ~
APR 4.203 3.260 4.108 3.322 2.948 3.3257 @& j" @% E6 ^: T5 C! `& [1 R* n, ^
& g, N3 ]2 J0 A>$417K 4.250 3.375 ------ ------ 3.125 4.125
5 n3 K/ \, ?2 k3 K4 H' QAPR 4.317 3.490 ------ ------ 3.188 4.1912 t# c" ~. W" T; d, \% H
% F/ c) m1 n6 e- N0 p8 |# N% P; Z3 v. z& _3 nINVESTMENT PROPERTY - PURCHASE RATE:
( i4 g' B" T0 g* z* K0 | 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
% o3 l' S! Z- E2 }1 R& L1 F<=$417K 4.375 3.500 4.250 3.375 ------ ------5 D3 }4 B% c: \4 h) o$ X
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.5 O* A' G' L' g- c$ l
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Rates above are based on the following assumptions:4 J% P% g2 R# l* j
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;8 O" U* Y# [3 C9 I3 T
2. Loan-To-Value (LTV): : D2 D5 F, K( Q% W
- <=75% for Primary Residence Conforming Refinance & Purchase; D( b3 O$ S" E7 s2 `% r
- <=70% for Primary Residence Conforming Cash-Out Refinance;
9 v" C* T% `1 k - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);! w3 `7 n# F- h# w% s
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;8 a! q4 _4 h( U* i, Q
- <=75% for Investment Property Conforming Purchase;/ E" ~+ s- t1 T o
- <=65% for Jumbo Refi & Purchase.
# Y9 M6 N! r+ X5 w( l" Z0 @3. Primary Residence except specified;; [6 S8 P1 t4 ?+ V' o# M
4. Single Family Residence;
4 k% b2 R* I Q; u% T# t& l5. Credit score>=740;" n5 v4 d( @5 T7 T6 U7 p
6. With Impound/Escrow Account;: H% }$ b/ N& t6 Y d* G( }) ~
7. 30-day lock;" a3 Z5 g( H0 q/ g" F! c7 ]8 o$ ~
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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/ ]' s2 S" g) I# e6 N8 P5 E: h- w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
