本帖最后由 方圆贷款 于 2013-7-1 16:04 编辑
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%。
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。
******************************** MARYLAND ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.375 4.125 3.250 3.375 4.375
>$417K 4.375 3.500 ------ ------ 3.250 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.250 3.500 4.500
>$417K ------ ------ ------ ------ 3.500 4.500
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
APR 4.203 3.260 4.108 3.322 2.948 3.325
>$417K 4.250 3.375 ------ ------ 3.125 4.125
APR 4.317 3.490 ------ ------ 3.188 4.191
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 ------ ------
APR 4.460 3.646 4.367 3.587 ------ ------
******************************** VIRGINIA ********************************
PRIMARY RESIDENCE - REGULAR REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 3.375 4.375
>$417K 4.375 3.625 ------ ------ 3.375 4.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.375 4.125 3.375 3.500 4.500
>$417K ------ ------ ------ ------ 3.500 4.500
PRIMARY RESIDENCE - PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.125 4.000 3.125 2.875 3.250
APR 4.203 3.260 4.108 3.322 2.948 3.325
>$417K 4.250 3.375 ------ ------ 3.125 4.125
APR 4.317 3.490 ------ ------ 3.188 4.191
INVESTMENT PROPERTY - PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.375 3.500 4.250 3.375 ------ ------
APR 4.460 3.646 4.367 3.587 ------ ------
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.
Rates above are based on the following assumptions:
1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans, $750K for Jumbo loans;
2. Loan-To-Value (LTV):
- <=75% for Primary Residence Conforming Refinance & Purchase;
- <=70% for Primary Residence Conforming Cash-Out Refinance;
- <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%);
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
- <=75% for Investment Property Conforming Purchase;
- <=65% for Jumbo Refi & Purchase.
3. Primary Residence except specified;
4. Single Family Residence;
5. Credit score>=740;
6. With Impound/Escrow Account;
7. 30-day lock;
8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
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 16:03
|