Living版 - 12月16日（星期四）加州、马里兰州贷款利率（降了！） |
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c**********e
发帖数: 1184 | 1 SUMMARY: 今天银行连续多次下调利率价格！ARM的利率下调幅度最大！另外购房贷款
Conforming 30年固定可以做到4.875%了！
******************************** CALIFORNIA ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.125 4.750 4.125 3.375 3.625
APR: 4.986 4.314 4.901 4.397 3.477 3.728
<=$729K 5.000 4.250 4.000
APR: 5.092 4.405 4.086
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.250 4.875 4.250
<=$729K 5.250 4.500
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.375 4.875 4.250
<=$729K
******************************** MARYLAND ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125 3.375 3.625
APR: 4.986 4.439 4.901 4.397 3.443 3.694
<=$729K 5.000 4.250 4.000
APR: 5.092 4.405 4.086
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.125 4.875 4.250 4.250
<=$729K 5.125 4.250
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.250 4.875 4.250
<=$729K 5.250 4.750
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. | m********n
发帖数: 782 | 2 For Maryland, why is the high balance refinance rate lower than the purchase
rate?
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【在 c**********e 的大作中提到】
: SUMMARY: 今天银行连续多次下调利率价格！ARM的利率下调幅度最大！另外购房贷款
: Conforming 30年固定可以做到4.875%了！
: ******************************** CALIFORNIA ********************************
: PURCHASE RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 4.875 4.125 4.750 4.125 3.375 3.625
: APR: 4.986 4.314 4.901 4.397 3.477 3.728
:
: <=$729K 5.000 4.250 4.000
: APR: 5.092 4.405 4.086
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