c**********e
发帖数: 1184 | 1 短评：今天（1月11日星期二）30年固定的贷款利率又涨回到4.75%。购房贷款ARM的利
率仍然保持较低的水平！
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.250 4.750 4.125 3.750 4.000
<=$729K 4.875 4.375 4.000
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125 4.000 4.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.000 4.500 3.875 2.875 3.125
APR: 4.860 4.188 4.649 4.146 2.974 3.225
<=$729K 4.875 4.250 3.375
APR: 4.966 4.405 3.458
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.375 4.875 4.250
APR: 4.986 4.565 5.027 4.523
******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.000 3.625 3.875
>$417K 4.875 4.375 4.000
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 2.875 3.125
APR: 4.735 4.188 4.649 4.146 2.974 3.225
>$417K 4.750 4.250 3.375
APR: 4.840 4.405 3.458
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.375 4.750 4.250
APR: 4.986 4.565 4.901 4.523
******************************** VIRGINIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.125 4.750 4.000 3.750 4.000
>$417K 4.875 4.250 4.000
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.750 2.875 3.125
APR: 4.735 4.188 4.649 4.020 2.974 3.225
>$417K 4.750 4.125 3.375
APR: 4.840 4.280 3.458
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.250
APR: 4.986 4.439 4.901 4.523
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 Primary Residence Conforming Purchase & Refinance;
- <=70% for Primary Residence Conforming Cash-Out Refinance;
- <=75% for Primary Residence Super-Conforming Refinance and Purchase;
- <=65% for Primary Residence Super-Conforming Cash-Out Refinance;
- <=75% for Investment Property Conforming Purchase.
3. Primary Residence except specified;
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.
注：以上凡是没有表明利率的loan program，意味着我们没法提供No Point的贷款。如
果您想要知道该program的利率，请和我们联系查询。我们的联系方式可通过点击我们
的User ID来得到。 |
s******8
发帖数: 4192 | 2 为啥REFINANCE RATE比purchase高？是不是因为0 cost?
如果带cost呢？ |
s*****a
发帖数: 349 | 3 土土地问一句：
refinance就拿不到purchase那么低的利率吗？
比如5/1 ARM，看起来差不多差了0.875%。。。差这么多阿。。。
**
【在 c**********e 的大作中提到】
: 短评：今天（1月11日星期二）30年固定的贷款利率又涨回到4.75%。购房贷款ARM的利
: 率仍然保持较低的水平！
: ******************************** CALIFORNIA ********************************
: REFINANCE RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 4.750 4.250 4.750 4.125 3.750 4.000
: <=$729K 4.875 4.375 4.000
:
: REFINANCE CASH-OUT RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
|
k*****c
发帖数: 1670 | 4 No. Normally, refinance rate will be higher than new purchase
【在 s*****a 的大作中提到】
: 土土地问一句：
: refinance就拿不到purchase那么低的利率吗？
: 比如5/1 ARM，看起来差不多差了0.875%。。。差这么多阿。。。
:
: **
|
c**********e
发帖数: 1184 | 5 因为我们在网上发布的refinance的利率是no cost refinance，即我们帮忙付closing
cost。而purchase loan因为closing cost比较高，通常都是borrower自己负担的。所
以purchase loan的利率会低一些。
【在 s*****a 的大作中提到】
: 土土地问一句：
: refinance就拿不到purchase那么低的利率吗？
: 比如5/1 ARM，看起来差不多差了0.875%。。。差这么多阿。。。
:
: **
|
