c**********e
发帖数: 1184 | 1 SUMMARY: 今天银行第5次下调利率价格。加州重新贷款Conforming 10年固定和20年固定利率下降。马里兰州购房贷款Conforming 10、15、20年固定都稍降，5/1 ARM仍保持在3.25%的水平。
******************************** CALIFORNIA ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.000 3.250 3.500
APR: 4.860 4.314 4.901 4.271 3.351 3.603
<=$729K 4.875 4.250 3.875
APR: 4.966 4.405 3.961
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125 4.250
<=$729K 5.000 4.375
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.250
<=$729K 5.250 4.750
******************************** MARYLAND ********************************
PURCHASE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.000 4.625 3.875 3.250 3.500
APR: 4.860 4.188 4.775 4.146 3.351 3.603
<=$729K 4.875 4.250 3.875
APR: 4.966 4.405 3.961
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125 4.125
<=$729K 5.000 4.375
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 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. |
k********1
发帖数: 1485 | 2 刚刚lender发来email让我们签字,利率是5啊!!!!!!!!!!
我今天到底要不要lock啊啊啊啊啊 |
c**********e
发帖数: 1184 | 3 是要你签字确认lock利率，而不是签loan doc?
【在 k********1 的大作中提到】
: 刚刚lender发来email让我们签字,利率是5啊!!!!!!!!!!
: 我今天到底要不要lock啊啊啊啊啊
|
k********1
发帖数: 1485 | 4 那要不要签呢?
【在 c**********e 的大作中提到】
: 是要你签字确认lock利率，而不是签loan doc?
|
c**********e
发帖数: 1184 | 5 一般锁定利率最好是在closing已经确定后，在closing date提前30天才锁的。否则锁
了也会expired，那不是白锁了吗？
【在 k********1 的大作中提到】
: 那要不要签呢?
|
