本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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" U' D) s- f+ FSUMMARY：（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%。/ r8 r7 n$ R8 E* l
/ r( } ]- T1 ^* T' l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。6 O) t6 A; s: x0 u
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******************************** MARYLAND ********************************
) M* }$ W Z$ e9 g' z, t: d" uPRIMARY RESIDENCE - REGULAR REFINANCE RATE: ; G0 b2 T* j. d7 q( p: d% B
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
& Z2 Q! d4 R9 a |: R, V* u5 [<=$417K 4.125 3.375 4.125 3.250 3.375 4.3750 F: a& U3 O3 \/ x" n% l
>$417K 4.375 3.500 ------ ------ 3.250 4.2502 t6 ?& t1 q/ {( e; f& w) G
; b+ p1 z4 i3 m0 E: P6 hPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
- [8 |; o, M, m5 p8 ` 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
' T4 K. x1 Q# ]; O" E, @- x0 v; e<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
! z! O0 U" p) [9 ~6 Y6 o>$417K ------ ------ ------ ------ 3.500 4.500, i5 L- w. }$ Y$ c( A
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PRIMARY RESIDENCE - PURCHASE RATE:0 a' g; C3 d. a# V7 f/ _% H
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
! u1 F5 I$ N" s8 N a6 o/ Z- i0 h<=$417K 4.125 3.125 4.000 3.125 2.875 3.250, @4 G! W6 N- f" P) L& l: O
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& @7 J# q% z D2 `
APR 4.317 3.490 ------ ------ 3.188 4.191
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9 |7 f% J- W+ a8 P7 o, wINVESTMENT PROPERTY - PURCHASE RATE:+ r" I M( p) t' a
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
" _8 Q% A5 ~5 t( L<=$417K 4.375 3.500 4.250 3.375 ------ ------
$ y0 Z9 f2 ` [" c1 [3 HAPR 4.460 3.646 4.367 3.587 ------ ------
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) V" _1 d) ^, ~& n; G: I******************************** VIRGINIA ********************************+ v6 f% O/ _4 ^0 P+ n
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
' X. ], A/ v' ]! b2 l 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM; r. X+ @5 z) ~( a, l
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375/ t& I( ]# [. w }
>$417K 4.375 3.625 ------ ------ 3.375 4.375
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PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:. }/ b. y$ ~8 k& d. A
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM% m9 A! \: h' l7 C
<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
U q( v8 f0 c% S>$417K ------ ------ ------ ------ 3.500 4.500
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PRIMARY RESIDENCE - PURCHASE RATE:# U( T' ]. T2 ?3 C& D
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
9 p$ E% _8 h) R& ~2 T9 ~; x( L<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
# A% Y, b% u+ ^APR 4.203 3.260 4.108 3.322 2.948 3.3257 t3 X1 ?. D7 W# Z" \
% J) x6 h( m$ A& E" Y7 R>$417K 4.250 3.375 ------ ------ 3.125 4.125# x5 Y" j% \2 \# z9 V
APR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE: ! V( k8 l( V6 y& L+ A
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM' V% p, f* A* n% l! U$ R- |4 L* L
<=$417K 4.375 3.500 4.250 3.375 ------ ------
9 i4 o0 j3 y ^APR 4.460 3.646 4.367 3.587 ------ ------
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9 E0 D- j$ V' \. O7 JPlease note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day. @" Q4 [- n" B$ s* |
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Rates above are based on the following assumptions:3 t1 M7 u Q% D
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1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
! O/ J3 s, c$ w4 O+ z1 T2. Loan-To-Value (LTV): - a7 \1 \' b; a2 S3 W: C# h! h
- <=75% for Primary Residence Conforming Refinance & Purchase;
" X; s1 k7 ^/ G; O9 O - <=70% for Primary Residence Conforming Cash-Out Refinance;
) R6 ~. K) N6 R/ P" h* b4 X* ~/ P - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
: J' a5 V4 k1 @6 F! M - <=65% for Primary Residence Super-Conforming Cash-Out Refinance;5 `3 I# ^0 y' y' z2 n
- <=75% for Investment Property Conforming Purchase;
! n7 \! N. ]% A3 y7 J3 }8 E" V - <=65% for Jumbo Refi & Purchase.
2 c7 t3 X% g! ?, W: j3. Primary Residence except specified;9 K% A' K& v: O( ?) B. k8 n/ O, g
4. Single Family Residence;
8 B" l. }( ~0 e( ^6 f# C5. Credit score>=740;
8 ^/ i8 Q% ~" C3 v8 ]- A6. With Impound/Escrow Account;
1 `9 P+ c6 q% A4 p. s7. 30-day lock;* P! d6 v: y7 h" e( G+ j# y; n' G& k
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.% b' A3 t* V( _" J7 z Z2 \
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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
