Living版 - 今天加州、马里兰州的贷款利率已经出来了(9:01AM更新) |
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发帖数: 1184 | 1 SUMMARY: 今早利率初次发布后，银行又发布了两次利率价格更新，向下调整了！
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.625 3.875
<=$729K 4.750 4.250 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.625 4.000 3.750
<=$729K
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 2.875 3.250
APR: 4.609 4.062 4.524 4.020 2.974 3.351
<=$729K 4.750 4.125 3.375
APR: 4.840 4.280 3.458
******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.500 3.750
<=$729K 4.750 4.125 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.750
<=$729K
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.750 4.375 3.750 2.875 3.250
APR: 4.609 3.937 4.524 4.020 2.974 3.351
<=$729K 4.750 4.125 3.375
APR: 4.840 4.280 3.458
Rates above are based on the following assumptions:
1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans;
2. Loan-To-Value (LTV):
- <=80% for Conforming Refinance and Purchase;
- <=70% for Conforming Cash-Out Refinance;
- <=75% for Super-Conforming Refinance and Purchase;
- <=65% for Super-Conforming Cash-Out Refinance.
3. Primary Residence;
4. Single Family Residence;
5. Credit score>=740;
6. No Impound/Escrow Account.
For Refinance, rates are based on No Point No Fee. So APR for Refinance =
Refinance Rate. |
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