本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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, Q- ~6 q+ R* q% X" ISUMMARY：（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%。/ O! q2 s# ]3 z6 a" q" K& _' ~
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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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******************************** MARYLAND ********************************
! _2 k# z1 P8 G! o Q3 E! EPRIMARY RESIDENCE - REGULAR REFINANCE RATE: / M5 h2 b; w$ ^- \. K" O/ H
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
6 y5 \( z* d' T8 r<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
0 |! l% R: a! Y9 ~6 [( e>$417K 4.375 3.500 ------ ------ 3.250 4.250
2 {! {( N* L% H2 W8 G & V( A* a+ k" F$ f7 ]
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:0 H: {" Z' @# I! z+ S6 F" U1 R
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM. e+ H4 V! C `# m9 H$ u& x
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500: s8 n3 K3 |8 V/ Z
>$417K ------ ------ ------ ------ 3.500 4.5003 y8 X6 X. q) [/ j0 p/ g
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PRIMARY RESIDENCE - PURCHASE RATE:
/ c4 O8 s S2 Q) T; i 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM _9 s+ P) {4 h9 y( k2 X/ M
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
4 C. D4 C9 E8 rAPR 4.203 3.260 4.108 3.322 2.948 3.325
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; D! K) \7 Z/ u/ z, z4 |- o2 M2 n# w>$417K 4.250 3.375 ------ ------ 3.125 4.125
$ t; W1 Q m J6 E8 p2 s; PAPR 4.317 3.490 ------ ------ 3.188 4.191
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6 q1 u1 z) k. S9 qINVESTMENT PROPERTY - PURCHASE RATE:, x& t, w! M, [4 w9 ?
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
2 ?9 a* R9 z8 z. n4 z+ {4 s, K" \<=$417K 4.375 3.500 4.250 3.375 ------ ------
$ U' ~7 a' W* oAPR 4.460 3.646 4.367 3.587 ------ ------8 s7 D1 I t7 @2 V, T n9 U
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******************************** VIRGINIA ********************************3 f- A$ [2 i7 J. O4 D3 g9 M, E
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:4 g, p$ x3 r# Y- V) b
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
K/ V. V& e c- y<=$417K 4.250 3.375 4.125 3.375 3.375 4.3758 b- {3 C7 |2 T9 G6 f3 C
>$417K 4.375 3.625 ------ ------ 3.375 4.375
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# W( h$ N! N, ~0 q) i% qPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
- G- a+ c0 X+ I4 D( Q6 C 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM! m8 T" r, f2 @+ A" f/ B6 c
<=$417K 4.250 3.375 4.125 3.375 3.500 4.500. \& c2 ^% p/ @" h6 M& M, N
>$417K ------ ------ ------ ------ 3.500 4.5003 P! ]6 C5 Z, G, P
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PRIMARY RESIDENCE - PURCHASE RATE:
1 [& b- K" q, M! k6 z3 g 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
{0 t4 [# e+ P1 a<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
# ^, ]' u' R2 y, q7 _* AAPR 4.203 3.260 4.108 3.322 2.948 3.325) A; w* H7 m( P) _
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>$417K 4.250 3.375 ------ ------ 3.125 4.1251 ]# |- |0 V( A
APR 4.317 3.490 ------ ------ 3.188 4.191) V% |. X* w/ [3 J% [ y! T
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INVESTMENT PROPERTY - PURCHASE RATE:
2 o9 R& |; z& v& h+ Y/ B& W 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
1 j. P$ x2 T# f, d<=$417K 4.375 3.500 4.250 3.375 ------ ------
$ _/ j9 E! Q8 k/ j9 _0 yAPR 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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Rates above are based on the following assumptions:+ e6 R' z9 J# _& [( i4 {6 a6 t
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;* H, Y, H \" y% h. o
2. Loan-To-Value (LTV): 9 k7 Y* Y# x8 W W. f
- <=75% for Primary Residence Conforming Refinance & Purchase;
# m+ |" y% O% O - <=70% for Primary Residence Conforming Cash-Out Refinance;* i# |0 [3 u3 e- g
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
8 U3 u$ K: H" j( P% e) d - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;. ^% S. o1 L& O6 g0 q, q: P
- <=75% for Investment Property Conforming Purchase;, h: W) z" A4 g. E- A0 p, \# L
- <=65% for Jumbo Refi & Purchase.
. K! E {5 m3 J9 d1 p3. Primary Residence except specified;
* I4 e$ }& f' i0 f3 A4. Single Family Residence;2 k: z8 t' K$ C. o/ t* U# }
5. Credit score>=740;4 i7 b1 E0 l# A+ }. ]( o' |
6. With Impound/Escrow Account;
0 c/ l4 l, v8 [) u! r3 @* z7. 30-day lock;
" c# C1 |$ o# v7 P8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)3 X( x: I" u: _0 t# }( B" M. j
! ^( ?# V/ F! k- Q4 g1 s0 jFor Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.* D/ c9 \$ O/ c, d, C
' @& Z8 k% `1 n3 l2 Y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
