本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑 4 @% t/ l% t- [4 V
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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%。
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/ C; n# X3 d( R6 A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。$ g1 K( {9 O6 L/ h
" e F! H: D: l" ]# L: E******************************** MARYLAND ********************************
$ w& N4 q6 L; ]' m1 o7 OPRIMARY RESIDENCE - REGULAR REFINANCE RATE:
; b) C+ |5 S" q, L' R$ x 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
& M2 U9 g4 x. E4 m1 _<=$417K 4.125 3.375 4.125 3.250 3.375 4.375- L6 K' Z( L2 G! x
>$417K 4.375 3.500 ------ ------ 3.250 4.2506 V* o# c5 N, N* K
/ m1 ~9 j- R) U6 A# ~$ ^PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:3 Y/ q1 f k1 \1 X( ?/ |& [: r7 d
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM2 n2 ?2 b$ A9 k2 S- y& w8 o
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500& x2 e: B s* v
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:
7 ?+ H# l$ h4 j0 k 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM8 V: z+ t" Z+ M3 Y
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
: E1 E0 i. x$ \/ Z0 W! rAPR 4.203 3.260 4.108 3.322 2.948 3.325
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>$417K 4.250 3.375 ------ ------ 3.125 4.1258 Z# X5 Q6 l) Z" {7 I" l& h" M
APR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:6 R4 e5 v6 d2 Y1 V, G( u' C
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
. Q/ O9 [2 C$ G; m- D% k! k<=$417K 4.375 3.500 4.250 3.375 ------ ------; x) e0 O; [6 G9 ?+ h0 o/ P
APR 4.460 3.646 4.367 3.587 ------ ------
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******************************** VIRGINIA ********************************
% J1 F b7 q& W! QPRIMARY RESIDENCE - REGULAR REFINANCE RATE:+ I0 A# T1 R# c2 F0 H& w4 ^+ _
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
5 \5 L4 E, E5 k9 x, D1 C<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
0 Z6 ]( @6 A7 p% M, O>$417K 4.375 3.625 ------ ------ 3.375 4.375) g. @! C9 a+ t' P
( B2 m2 }* D" `3 g8 W# L% I6 wPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:1 k2 N) M$ P# d& f# F8 c$ r& g. h
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
0 J: J% G& x; M1 i. ^6 Q* {4 Y<=$417K 4.250 3.375 4.125 3.375 3.500 4.5001 W/ Z, X z6 X9 T+ G- w
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:9 z' @6 K) [8 c+ o4 R+ I
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
( S/ B* H, l9 }0 f! f. \; S<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
' N, i( @# g, V- a MAPR 4.203 3.260 4.108 3.322 2.948 3.325& i. ]; M7 ^ I4 f5 ~
4 c3 D8 R; I4 _7 W1 \$ R
>$417K 4.250 3.375 ------ ------ 3.125 4.125
% {- ?" f0 u1 FAPR 4.317 3.490 ------ ------ 3.188 4.191
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* o7 y- R) u7 O' w) L! sINVESTMENT PROPERTY - PURCHASE RATE: 2 d4 v; p& i2 a
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM" r; m- t& U3 e
<=$417K 4.375 3.500 4.250 3.375 ------ ------
' D8 f5 A. W% M* _1 d* jAPR 4.460 3.646 4.367 3.587 ------ ------; s; J, [+ C4 [1 i. Z& _$ d! T3 V
6 V9 I* |" x2 C- u3 PPlease note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.2 O$ c0 ^7 o- I" Q* g
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Rates above are based on the following assumptions:
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
h6 n& d/ G" `5 H+ Q% P6 S2. Loan-To-Value (LTV): " |+ ]* }& N, }# q, f
- <=75% for Primary Residence Conforming Refinance & Purchase;1 Q. B6 {5 m/ ~& b! d$ p
- <=70% for Primary Residence Conforming Cash-Out Refinance;( \: A' }8 u+ i
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);8 h0 V$ `! o( Y2 W D3 V
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;$ @5 L# l5 H# \1 K! A
- <=75% for Investment Property Conforming Purchase;6 |" g, ?) l* s" |+ {1 e
- <=65% for Jumbo Refi & Purchase.
; Q0 r# R" Q y0 ]6 _7 F! h3. Primary Residence except specified;
; t/ T6 N- n$ ?' Q( c' Y4. Single Family Residence; N3 B! r R. c. p& n, a/ W
5. Credit score>=740;
* g$ f% O% N, p B' P" q6. With Impound/Escrow Account;+ F1 [1 l; O" e" l. I! N* w
7. 30-day lock;& M& ~! B; w2 i- b- P
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)/ c( f# U) i1 i0 s
! d+ J. _6 S5 H( OFor 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
