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%。1 B- _" c+ x6 }: R# t
7 p- A+ ~( C' A& l; M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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9 g, F5 ~2 {" E5 Y* D) e* e5 B******************************** MARYLAND ********************************* ^6 M) `- \+ [/ @" ~0 V
PRIMARY RESIDENCE - REGULAR REFINANCE RATE: $ V% J& w n/ W% E
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM6 U+ T4 ^* }# o7 |3 \) [4 @3 a
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375& {$ B4 f/ S$ p8 V5 k# Z
>$417K 4.375 3.500 ------ ------ 3.250 4.250
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/ T6 f5 Z# w( C1 f* P# D$ `' {$ P* E1 QPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
: V0 l: X* I0 e$ A, B2 Y# d5 T% Z5 ? 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
% F( p4 }; t4 v- `& O<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
+ B) O8 z$ U% T9 h, l+ J1 F' Q2 [" N>$417K ------ ------ ------ ------ 3.500 4.500- S' x6 e0 ^' o0 }2 D- S! ^
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PRIMARY RESIDENCE - PURCHASE RATE:. q4 D F6 g& W5 L+ `4 V) t
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM5 A% }- c# ~6 W1 R8 s
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
- K& N. w/ D& H6 L8 UAPR 4.203 3.260 4.108 3.322 2.948 3.325
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+ O2 v5 `7 L6 v4 K1 N) j$ a- R>$417K 4.250 3.375 ------ ------ 3.125 4.125# u$ l! ~0 f$ S( B! E3 N; `
APR 4.317 3.490 ------ ------ 3.188 4.191
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1 v3 S: B, k3 `# VINVESTMENT PROPERTY - PURCHASE RATE:
7 l3 i0 F* C! g) N 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM3 Z, K& @* @: \: g8 J
<=$417K 4.375 3.500 4.250 3.375 ------ ------3 m r6 [/ q" \* d5 I
APR 4.460 3.646 4.367 3.587 ------ ------$ Z9 k- @' S4 o+ u
7 ~5 _4 I0 F$ Z( ~# o******************************** VIRGINIA ********************************8 [ O* A4 y7 H. e2 l% u7 F8 E
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:* _4 Y' D. U$ y6 z5 I
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
6 F$ L# I; f! ]) D6 p<=$417K 4.250 3.375 4.125 3.375 3.375 4.375, \* o1 U" c: ]7 s
>$417K 4.375 3.625 ------ ------ 3.375 4.375
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. C( L; v x! H% L4 Y& p0 v' aPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:/ p! r4 Y6 C4 m, D
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
- [: M; x. N, \<=$417K 4.250 3.375 4.125 3.375 3.500 4.5000 ^6 z9 e0 ~* u+ M; a
>$417K ------ ------ ------ ------ 3.500 4.500
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U5 _/ ^( W0 T3 W$ o DPRIMARY RESIDENCE - PURCHASE RATE:2 K, R, R$ G+ P' |* K
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM$ [9 z) g# i# A; U
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
5 \; B: d4 [. h( u% OAPR 4.203 3.260 4.108 3.322 2.948 3.325
$ P6 W) J, s X% z5 O' v : y) M% d3 w- J6 o4 A8 C1 O$ Z; H- F
>$417K 4.250 3.375 ------ ------ 3.125 4.125
/ K/ B$ L0 q: p8 k- LAPR 4.317 3.490 ------ ------ 3.188 4.1914 ^. X2 m( J5 G3 \- a: E
& Y! L6 ]- f$ A" O J2 X3 [9 ?7 e8 zINVESTMENT PROPERTY - PURCHASE RATE: 5 E& T7 s5 S7 n: m! y; `
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM$ e/ p3 x" O# i, k) H9 v0 @( ]% f
<=$417K 4.375 3.500 4.250 3.375 ------ ------( |/ r& K( o9 X ]% M
APR 4.460 3.646 4.367 3.587 ------ ------
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Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.9 G& W& j9 d2 F9 D
5 S4 G( h2 T$ Q2 rRates above are based on the following assumptions:9 j5 \+ O0 O2 k4 l
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;( g4 E( p0 o1 {$ ^# ]) c/ L3 ^2 ?: y6 r
2. Loan-To-Value (LTV): , ~: E1 ~6 }0 F! ]: _! g! ~ Z9 t
- <=75% for Primary Residence Conforming Refinance & Purchase;7 Y7 N7 j& E6 C/ Q
- <=70% for Primary Residence Conforming Cash-Out Refinance;
6 J, S& a* ^$ a4 r# X/ [ - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);6 Z# J+ n2 M. i1 W8 o. Z! Q' H! i
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;0 g2 g2 }# X0 ~4 l
- <=75% for Investment Property Conforming Purchase;
4 M8 m- o/ r# i1 G2 o0 a& {! B2 { - <=65% for Jumbo Refi & Purchase.6 \- d x) m$ p
3. Primary Residence except specified;, t, w# _0 A, e* L2 l
4. Single Family Residence;! R6 F/ F5 a4 H& A% H4 f1 G& n+ {
5. Credit score>=740;
6 k \2 ]$ n: d' `; G) }* q7 { D6. With Impound/Escrow Account;6 w# L7 Z/ \2 y: O3 S9 P# S; w5 X K
7. 30-day lock;& j3 R, ]8 _3 j. 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.4 |& Y/ s1 [% {
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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
