c**********e
发帖数: 1184 | 1 短评：今天（2月8日星期二）的购房贷款利率比昨天稍降，可以做到4.875%了！
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.375 4.875 4.250 4.125
<=$729K 5.250 4.500
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.375 5.000 4.250
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.125 3.375 3.750
APR: 4.986 4.439 5.027 4.397 3.477 3.854
<=$729K 5.125 4.375 3.875
APR: 5.217 4.531 3.961
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.250 4.625 5.125 4.500
APR: 5.364 4.816 5.278 4.774
******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.375 4.875 4.250 4.250
>$417K 5.250 4.500
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.375 5.000 4.250
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.875 4.125 3.375 3.750
APR: 4.986 4.439 5.027 4.397 3.477 3.854
>$417K 5.125 4.375 4.000
APR: 5.217 4.531 4.086
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.250 4.500 5.125 4.500
APR: 5.364 4.691 5.278 4.774
******************************** VIRGINIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.375 4.875 4.250 4.250
>$417K 5.250 4.500
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.375 5.000 4.250
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
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 3.750
APR: 4.986 4.439 4.901 4.397 3.477 3.854
>$417K 5.125 4.375 4.000
APR: 5.217 4.531 4.086
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.250 4.500 5.125 4.375
APR: 5.364 4.691 5.278 4.648
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，意味着该program做不了no point的贷款
，需要收point才能做。 |
b******s
发帖数: 325 | 2 Are these rates applicable to other states? So if a broker gives me a rate
which is quite higher than below, is that considered as a rip-off?
**
【在 c**********e 的大作中提到】
: 短评：今天（2月8日星期二）的购房贷款利率比昨天稍降，可以做到4.875%了！
: ******************************** CALIFORNIA ********************************
: REFINANCE RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 5.125 4.375 4.875 4.250 4.125
: <=$729K 5.250 4.500
:
: REFINANCE CASH-OUT RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 5.125 4.375 5.000 4.250
|
b******s
发帖数: 325 | 3 And is 4.875% for no point no closing cost or does it have conditions???
**
【在 c**********e 的大作中提到】
: 短评：今天（2月8日星期二）的购房贷款利率比昨天稍降，可以做到4.875%了！
: ******************************** CALIFORNIA ********************************
: REFINANCE RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 5.125 4.375 4.875 4.250 4.125
: <=$729K 5.250 4.500
:
: REFINANCE CASH-OUT RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
: <=$417K 5.125 4.375 5.000 4.250
|
t**s
发帖数: 1393 | |
c**********e
发帖数: 1184 | 5 这里发布的购房贷款利率都是no point的，但borrower要付closing costs。各项条件
可参见利率贴的下半部分。
【在 b******s 的大作中提到】
: And is 4.875% for no point no closing cost or does it have conditions???
:
: **
|
