【房贷利率】5月19日 星期四


奇虎贷款-100436  05/19   5824  
4.0/1 

 

注: 方圆贷款能提供以下身份的贷款:

(1) 学生仍在OPT期间,使用EAD卡工作,还没有H1B,利率与公民无异;

(2) F1 OPT/EAD 的jumbo loan(比如没有抽到H1B用EAD卡工作);

(3) J1/J2签证,利率与公民无异;
(4) H1B, O-1, L-1 Visa
Jumbo loan;
(5) 
纯外国人贷款

SUMMARY:今天(05月19日星期四)开盘时的房贷利率价格和昨日相比持平。目前重新贷

款40万左右的利率,30年固定利率上涨为3.625%,15年固定维持为2.750%,5/1 ARM
上升为3.125%。购房贷款40万左右,30年固定的利率维持为3.500%,15年固定稳定为2.
750%,5/1 ARM上升为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。



                       ****************** CALIFORNIA *******************
    (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $
750K.See other assumptions at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.750    3.500    2.750    3.125      3.375
>$417K      3.700    3.000    3.625     3.000    3.125      3.500
Jumbo        4.000    3.500    3.875       ------    3.000     3.375
  
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.500    2.875     3.250        3.500
>$417K      4.125     3.500    4.125      ------     3.125       3.500
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.625    2.875       2.875
APR           3.512    2.753    3.393    2.654     2.900       2.925
                     
>$417K      3.625    2.875    3.500       2.875     3.000        3.250
APR           3.659    2.931    3.543       2.950     3.027        3.297
                        
Jumbo        3.875     3.375     3.750       -----     2.875       3.250
APR            3.904     3.444     3.804       -----     2.907       3.273
                                                            
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.125    3.625   3.000    3.000        3.250
APR           3.803    3.182    3.698    3.109    3.036        3.306




                       ***************** TEXAS **************
    (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions
      at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625    2.875    3.500    2.875     3.250        3.625
>$417K      4.375      4.000     4.375       -----     3.375      3.625
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875   3.250    3.625    3.000       3.875      3.875
>$417K      4.375     4.000     4.375     ------      3.375     3.625
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.500    2.750       2.875
APR           3.425    2.713    3.324    2.613    2.785       2.923
                        
>$417K      4.000    3.500    3.875       ------     3.000       3.250
APR           4.008     3.532    3.900      ------     3.012       3.248
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625    3.000    3.000       3.375
APR           3.770    3.089    3.667    3.051    3.046       3.412



                  ********************** FLORIDA ******************
    (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest 
      Area only. See other assumptions at the bottom of the post)

PRIMARY RESIDENCE - REGULAR REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250    3.625    3.000     3.875        3.875
>$417K      4.750      ------      ------      ------    4.000       4.250 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.375   3.750     3.125     3.875         4.250 
>$417K      4.750     ------      ------     ------     4.000        4.250 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.375    2.500    2.875        3.125
APR           3.541    2.799    3.381    2.606    2.899        3.178
                        
>$417K      4.000    3.500    3.875      ------    3.000         3.250
APR           4.008    3.533    3.901      ------     3.013        3.252
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.250    3.625    3.000    3.000       3.375
APR           3.929    3.328    3.693    3.120    3.046       3.412


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: See detailed loan amounts under the State name above;
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。

方圆贷款NMLS ID: 231959

----------------------------

方圆贷款目前能做CA、FL、TX等3个州的房屋贷款,欢迎查询:

Northern California:

1525 McCarthy Blvd, Ste 1084
Milpitas, CA 95035
Phone: (408) 883-8283
Fax: (877) 442-7883
arli@circlesquaremortgage.com


Southern California:
780 Roosevelt, Ste 122
Irvine, CA 92620
Phone: (949) 829-3863
Fax: (877) 442-7883

irvineoffice@circlesquaremortgage.com


Texas:

2775 Villa Creek Road, Ste 124

Dallas, TX 75234

Phone: (866) 269-9847

Fax: (877) 442-7883


NMLS ID 233900, CA BRE Lic 01816259, FL Lic LO20663