本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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* ]/ J; A3 x3 F* G 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%。
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+ g* A5 I. p Y* T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。- v1 L. f, Z2 E- }
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******************************** MARYLAND ********************************9 u) N5 k8 K7 C& x: v: w
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
5 B8 a9 S6 r1 k# C 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM& v" t2 H8 {" o2 t& W; p
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
' l2 R( A) R' X, E>$417K 4.375 3.500 ------ ------ 3.250 4.2507 S. G' s$ N4 R
~1 v' X5 C }8 B& EPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:5 f" k, l9 N7 w/ ]/ Q
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
( h2 q8 \6 p8 x/ [2 e7 m7 g<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
- B" m. P1 v1 b2 ?>$417K ------ ------ ------ ------ 3.500 4.500/ v# I) ]* p% \2 u- J% m6 W
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PRIMARY RESIDENCE - PURCHASE RATE:% p F1 c1 C" ~7 j% R( y
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM% K/ u" n; }! ?1 W! e
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250# @' q! G3 M4 q- F/ p2 m
APR 4.203 3.260 4.108 3.322 2.948 3.325
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- P) k1 k: c1 W6 V) r>$417K 4.250 3.375 ------ ------ 3.125 4.125
' @1 `0 p* d1 QAPR 4.317 3.490 ------ ------ 3.188 4.191& c" H& N/ ?/ M7 r8 J: x( R% Y
0 s' [/ `4 Y4 x8 `. X- W) @INVESTMENT PROPERTY - PURCHASE RATE:8 i) c: ^. |7 M, X( d& _- R2 k
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM2 x6 M; [, G; X7 I1 ]2 ^3 u+ o
<=$417K 4.375 3.500 4.250 3.375 ------ ------
! r" A I" M, y" U3 p1 CAPR 4.460 3.646 4.367 3.587 ------ ------
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' e( A. }+ U* V******************************** VIRGINIA ********************************
7 Q* R- S, @+ t7 UPRIMARY RESIDENCE - REGULAR REFINANCE RATE:4 ]2 n, J* Y) x( K
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM9 }6 @7 I7 y$ r* F1 x8 p
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
8 ~9 \' l1 A' u* }" ^8 A$ _>$417K 4.375 3.625 ------ ------ 3.375 4.375
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5 D5 B6 `& M3 ]/ N! qPRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:' F' c3 ~8 {% h( i% X0 K; m8 K8 N
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
% c3 J6 U: ?4 |0 c<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
+ C3 ?. J5 {# m6 q0 p- P>$417K ------ ------ ------ ------ 3.500 4.500, _, x2 R) @: d! v4 R% I
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PRIMARY RESIDENCE - PURCHASE RATE:
! i4 C. |( T, E% A# p2 w 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
. N* e! p' v8 \4 Y+ w, w C' Q<=$417K 4.125 3.125 4.000 3.125 2.875 3.250+ {2 b' a9 B. B# l; H
APR 4.203 3.260 4.108 3.322 2.948 3.325
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9 V0 d) e2 b- f>$417K 4.250 3.375 ------ ------ 3.125 4.125& N. o, G% J$ Q6 _6 k# c
APR 4.317 3.490 ------ ------ 3.188 4.191
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INVESTMENT PROPERTY - PURCHASE RATE:
! Q! U; g9 B2 s$ q- I1 a3 Z7 n& j 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
- o" u; j" p) R+ K5 z9 W q1 W<=$417K 4.375 3.500 4.250 3.375 ------ ------% ^6 O M# i1 X
APR 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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3 R! q. ^5 }0 n2 r" SRates above are based on the following assumptions:% E8 v9 i) z% o2 _+ o
) j4 J# k3 e* s5 g" d c" {# B1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;5 I( M( c$ v4 ?" U" l% W5 c( K
2. Loan-To-Value (LTV):
* I9 E/ r: n. k. Z1 @6 r - <=75% for Primary Residence Conforming Refinance & Purchase;
" G. X* F" Y5 v- e1 m( Z - <=70% for Primary Residence Conforming Cash-Out Refinance;6 `2 j* ^- J9 N% l/ o: m; F; v' J: X
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);& ^9 N- z+ \) N- c$ ~% K2 o( m. P
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
3 z: m- x& s3 i9 W) | - <=75% for Investment Property Conforming Purchase;) C- N) p0 x( d* x; g
- <=65% for Jumbo Refi & Purchase.$ l2 n4 Y$ W1 A( g
3. Primary Residence except specified;' J, R$ M1 @, Q0 W& c/ O
4. Single Family Residence;2 M8 O( L, A4 g" p, G: H9 g
5. Credit score>=740;( a9 X3 { e- C! F9 N3 p
6. With Impound/Escrow Account;# ]. G& c, p" E3 f3 r% g
7. 30-day lock;
# L- L% N1 x r0 B3 k! n8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
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* c& x! z, O( YFor 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
