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%。2 Q. p, `$ w4 p$ X& j
0 X) [( U( C, x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 r' J& K7 `" w* Z7 t
# X( N7 r+ `" n" N******************************** MARYLAND ********************************
" v% a6 |: i+ x) \+ V$ C2 D- w7 J! IPRIMARY RESIDENCE - REGULAR REFINANCE RATE: 9 h* K2 y! g* P8 A% I1 H: m
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
/ o! x' ~, B6 c* O* k1 e7 I0 l( I8 U<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
7 F& F; Q$ l- n, ?2 G>$417K 4.375 3.500 ------ ------ 3.250 4.250# t B6 B# w: R% o, b
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:' ~" {5 Q/ m0 K+ C7 A/ \. k
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM! q8 e; Y/ E- v# H. e$ c4 ^9 P T
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500# ^. c7 u$ X& t, C. c
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:1 S3 X* e6 {! P7 I) c0 W" C6 ]" @) W
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
$ i, E3 G3 ^! d8 T: k( n% x<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
- _7 e) ]) ~; mAPR 4.203 3.260 4.108 3.322 2.948 3.325
' P, W: J2 _+ j9 ]. I; l2 N% C) q% S + o; H# v5 B6 J4 E; _
>$417K 4.250 3.375 ------ ------ 3.125 4.125
. f. Y. s5 e9 b/ f& eAPR 4.317 3.490 ------ ------ 3.188 4.191
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* {3 n$ w9 {/ f6 ^INVESTMENT PROPERTY - PURCHASE RATE:2 H( W k% f8 J+ e) s# Z
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM; K7 j1 D2 j8 Y) A5 h5 K) m9 t
<=$417K 4.375 3.500 4.250 3.375 ------ ------
" O5 H9 z' q" c$ [& V$ a, A/ kAPR 4.460 3.646 4.367 3.587 ------ ------
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******************************** VIRGINIA ********************************
/ }9 z) U; R5 w$ J& T- _4 t, oPRIMARY RESIDENCE - REGULAR REFINANCE RATE:1 I4 F) l# z) Z1 }/ C! p& q/ {
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM# n9 n4 i1 K; S! _8 b5 O' V
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375+ ?) t9 s, N1 z- D3 V2 C
>$417K 4.375 3.625 ------ ------ 3.375 4.375$ `& r. m$ a0 a, f6 z
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:% k& ~9 B5 W. c; @
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM o$ z. }) v4 i" j9 g7 L4 Z j' U
<=$417K 4.250 3.375 4.125 3.375 3.500 4.5005 B2 Y, S" P4 B
>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:( h Q* V7 k @
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
6 o6 Z9 P' ~) ]$ V, r<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
; C. o* K9 {1 ~7 I8 l& eAPR 4.203 3.260 4.108 3.322 2.948 3.325
B& W+ I- ]2 x6 A8 }3 u% S ; d! d* E( ]* u8 `+ n( _
>$417K 4.250 3.375 ------ ------ 3.125 4.125
5 i2 w) ]: x5 L! W: `APR 4.317 3.490 ------ ------ 3.188 4.191) K j! W, q3 j3 K0 e$ T
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INVESTMENT PROPERTY - PURCHASE RATE: 3 U5 I. _5 F$ ^8 g) C6 b9 E
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
* p( Z/ ?* ^$ E<=$417K 4.375 3.500 4.250 3.375 ------ ------
$ E4 G- F m- i Z! dAPR 4.460 3.646 4.367 3.587 ------ ------6 F8 c! G4 J0 d' I2 P) ?& b
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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.% x+ e: S9 O* Q+ Z: v
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Rates above are based on the following assumptions:
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) @' V1 q1 b$ X1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
/ E- j2 ?- b" {2. Loan-To-Value (LTV): 4 K* N& D5 @; g
- <=75% for Primary Residence Conforming Refinance & Purchase;" }( g+ z$ _: b' y Z; k1 x
- <=70% for Primary Residence Conforming Cash-Out Refinance;
. Q& L6 U( r: @* o' ` - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
& b& j5 |" x; l: u - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
@" w/ }1 q8 g$ I9 S - <=75% for Investment Property Conforming Purchase;
, g3 ?! c# P/ [/ N1 J: p - <=65% for Jumbo Refi & Purchase.1 F% |' B1 O8 d$ W4 m
3. Primary Residence except specified;0 N! u+ l, b% Q( ~4 ^6 o5 w
4. Single Family Residence;5 e! i$ N- J9 T( y9 r) T7 H
5. Credit score>=740;
6 v* K4 O# s' S1 p( M6. With Impound/Escrow Account;3 t- s, ]7 [( ?$ d) p& a; l
7. 30-day lock;- k2 R4 C$ t/ R- I6 u' t* v
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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5 M# l, n7 B6 F$ H5 n4 o8 bFor Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
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! d3 v1 Z% j6 }+ Q. M% r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。 |