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%。
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9 @6 | b+ @# J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。% o) }* p! e8 x# M4 Y
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PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
- Y0 z6 t% c# ~) c' Z 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
]! C$ i" X- e1 G/ c. c<=$417K 4.125 3.375 4.125 3.250 3.375 4.3759 U, x9 w: A, C3 U: c
>$417K 4.375 3.500 ------ ------ 3.250 4.2501 ^/ C- Y5 A9 N* a2 b7 x! R! \
5 [3 A: d9 k+ n% J$ W8 tPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
8 ~% R7 Q3 g* k- r 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM W" C3 O" E& \ E; o9 p' O: {
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
. ?9 C0 ?9 u1 z1 u" m: ~/ J>$417K ------ ------ ------ ------ 3.500 4.500# z( D! y# m M u6 y" d
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PRIMARY RESIDENCE - PURCHASE RATE:
8 S, M1 z! w: `0 m2 J; `1 N 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM, B2 b; v) J8 }' ~$ M
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
9 |* B- T1 @4 @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
1 G- y1 n. O7 B) n+ O0 XAPR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:4 @: O3 B/ A7 @% c
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
% u; C- u6 a/ D4 f/ n<=$417K 4.375 3.500 4.250 3.375 ------ ------: g3 ~5 g; w6 \7 @9 ^ b- ]- E
APR 4.460 3.646 4.367 3.587 ------ ------+ s1 T- n4 [) q. j* {
5 \' B2 Y# g" F+ v- _/ e8 J******************************** VIRGINIA ********************************
/ q3 U) n2 g4 m; s- ?PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
) `( G4 |8 `* [" b4 _7 O 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM* I- E, i) {+ n$ \5 |
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
, {3 Z& ]0 S% y: l6 c# t2 m>$417K 4.375 3.625 ------ ------ 3.375 4.375
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
* o+ _; U Y4 m. [4 h- r- {6 b" O 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM& D! a: H6 Q( G* A Q. y- \ K
<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
' y: A; X- _0 ]. K& @- |; W>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:! [/ l% v" X8 e" d, `2 |
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
0 @& ]) |3 a5 l! `% C<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
' m- ]! L" |) z* U! t* OAPR 4.203 3.260 4.108 3.322 2.948 3.325
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: d) O- D7 r( D- O0 ^' Z0 W3 T>$417K 4.250 3.375 ------ ------ 3.125 4.125
2 ~* C0 {& R8 t+ t3 VAPR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE: - K- Z7 B6 ?% ?3 W2 X
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM4 s$ `7 m! d7 ^7 V" f _+ z
<=$417K 4.375 3.500 4.250 3.375 ------ ------
# ]) r K1 `# a4 H, q0 GAPR 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.
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. j) ]7 p( F, X* gRates above are based on the following assumptions:9 j4 }/ o: Q1 {# ?
6 r4 R0 C4 l/ @5 z E1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
: j' H6 s k! x. V- H: d2. Loan-To-Value (LTV):
5 w* e: o/ V5 }! L - <=75% for Primary Residence Conforming Refinance & Purchase;
+ E, t$ ^ z3 i/ K& E- F# P! Y - <=70% for Primary Residence Conforming Cash-Out Refinance;9 c5 t0 a l& J% x9 o
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);/ ?0 |5 q. a5 e9 U
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;1 s7 J$ G& o9 [# [$ m4 j1 y
- <=75% for Investment Property Conforming Purchase;
( s" u0 M$ ]- ` - <=65% for Jumbo Refi & Purchase.
q4 O( z; D8 x2 s1 i3. Primary Residence except specified;0 C; \- t5 B+ u g
4. Single Family Residence;
9 \ @) j% n' B7 F5. Credit score>=740;
# |. k. J: ?3 I" R: C6. With Impound/Escrow Account;9 {' G* G) z) g! E1 v' L+ n
7. 30-day lock;
7 e% Y6 d: b! V2 M5 `; O8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based), Q) p0 K9 x1 t h! S3 Z# K% o, x9 {
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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
