本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑 5 W3 n P9 i6 Z) |& l
! B9 r r+ F: ~* J2 tSUMMARY：（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%。0 M7 O1 I) c/ z% c7 T6 c+ C) r' O
/ f" ]( Y0 V0 J. T$ n k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。7 U$ ^' h: o+ i5 J* \, {! u @
9 c* R% L" a- U8 h******************************** MARYLAND ********************************4 m2 w( l' I& u- v1 L2 w! V
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
7 k# V6 t% r' h+ p/ o1 K 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
7 G) a, p# `0 Z8 Z3 E7 w<=$417K 4.125 3.375 4.125 3.250 3.375 4.375! o* i4 A% Y$ E6 p$ h/ E, `
>$417K 4.375 3.500 ------ ------ 3.250 4.2505 S( ?/ b5 Q7 h! N+ p
+ ^. z$ P+ i( s, C! A6 x6 ^8 ?& M2 [PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
! g G6 P7 s3 j5 l 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$ U8 _( |* n! l4 l$ X7 O0 I9 u<=$417K 4.250 3.375 4.125 3.250 3.500 4.500" @6 b+ X) |; k) e! W5 r
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:
3 I* S' B4 L( Y. k2 {" P 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM2 X/ ]2 W: }8 |; S- o1 v0 D3 a
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
8 M) {3 i" I0 I: z& IAPR 4.203 3.260 4.108 3.322 2.948 3.325
# v) U6 X h9 f8 U0 _+ f$ h/ ^
3 J" F7 O. Q# T, B6 h6 ?>$417K 4.250 3.375 ------ ------ 3.125 4.125
, p" Y7 C8 \ @4 o, h+ e0 RAPR 4.317 3.490 ------ ------ 3.188 4.191; V* {) h8 ` o9 C: ~( ]
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INVESTMENT PROPERTY - PURCHASE RATE:2 I' ?' V N% {8 J I& U% N
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
. I. O5 r6 Q* w<=$417K 4.375 3.500 4.250 3.375 ------ ------
* W. d; b# c, |APR 4.460 3.646 4.367 3.587 ------ ------1 T) \4 O, c+ c' ~& x5 ?0 m$ M5 L
$ e; {8 W0 P* g. _******************************** VIRGINIA ********************************
8 m) `$ E7 u, S. U* dPRIMARY RESIDENCE - REGULAR REFINANCE RATE:3 ? V5 R- ?6 b' i3 L! w
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
8 t, S" G' F& N<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
( b- G0 ]# b. g4 x6 E) l6 [: u>$417K 4.375 3.625 ------ ------ 3.375 4.375
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
% [/ Q5 N/ b$ _. H: O+ i# s 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM, R7 l- C* L, I: b6 L1 Q
<=$417K 4.250 3.375 4.125 3.375 3.500 4.5001 Y4 V7 O8 [2 e: ]0 m" m- Z! }1 n+ V
>$417K ------ ------ ------ ------ 3.500 4.5008 f3 T6 J' z" v* Y) A0 H8 ~3 ~
' h- s$ z7 O4 g% I8 U0 h* q: nPRIMARY RESIDENCE - PURCHASE RATE:
/ C; p4 D3 e9 h7 x6 D 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
9 i' E& I) I0 ?; \( N# W1 A: `% y<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
7 b: p! b5 r! } g3 ?% BAPR 4.203 3.260 4.108 3.322 2.948 3.325- B1 O9 [: i% x2 Z6 ]
. V5 H3 @6 J* J. R% W4 b/ U$ i0 D
>$417K 4.250 3.375 ------ ------ 3.125 4.125
7 l0 f6 _8 B h FAPR 4.317 3.490 ------ ------ 3.188 4.191
9 h$ k; H) w, O" ] 0 n% X' ^) X8 O, J8 n
INVESTMENT PROPERTY - PURCHASE RATE: ; ]3 K- q; s6 C5 @# a2 R) z
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM) U% [' i3 Z) J7 L& q
<=$417K 4.375 3.500 4.250 3.375 ------ ------
' z h) p& t J8 }: mAPR 4.460 3.646 4.367 3.587 ------ ------
3 ?4 O, p h$ j3 Q' ?2 t' H& b' e' x) C5 e8 i
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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9 ]7 P2 c8 {& ^; j# O7 sRates above are based on the following assumptions:
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;# p% J5 V1 t7 C; A; U3 t
2. Loan-To-Value (LTV): 0 F3 s5 h7 Q& M
- <=75% for Primary Residence Conforming Refinance & Purchase;! F3 j$ A8 {! z L# ]5 ~; M3 \0 E
- <=70% for Primary Residence Conforming Cash-Out Refinance;
& [( p* z. {. S - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
4 K; P R% ]$ C/ P4 ~+ x - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
" r9 W; U; H2 v) e - <=75% for Investment Property Conforming Purchase;
, W9 |; I' \7 Z" o! T$ }& |& u4 F - <=65% for Jumbo Refi & Purchase.
- _. I0 ^; L( { D0 K3. Primary Residence except specified;" G: P$ Q8 n) @1 y6 n7 N* L I
4. Single Family Residence;
5 y i6 l: z5 p+ N5. Credit score>=740;
7 r, f( a8 h |- g- t$ v" X5 C+ p6. With Impound/Escrow Account;
% z. H1 `+ ~5 R$ B! n7. 30-day lock;
: {6 h, Q3 j: u- C$ x8 k/ u. W8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)7 S& m9 ^: Q! x0 X( X" o. e& C
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For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.8 z: Z, q3 b; r$ h5 r4 z1 u
2 |; P' p6 F* D3 g4 ~. b; i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
