c**********e
发帖数: 1184 | 1 SUMMARY: 今天初始利率发布后，银行有连续多次向上调整利率价格。加州的购房贷款
30年固定现在可以已涨到4.875%，5/1 ARM到3.625%。
******************************** CALIFORNIA ********************************
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
<=$729K
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
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 3.625 3.875
APR: 4.986 4.439 4.901 4.397 3.728 3.978
<=$729K 5.000 4.375
APR: 5.092 4.531
******************************** MARYLAND ********************************
REFINANCE 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
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
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 3.750
APR: 4.986 4.439 4.901 4.397 3.853
<=$729K 5.000 4.375
APR: 5.092 4.531
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. |
f******w
发帖数: 10267 | 2 worst day? or the worst is yet to come? |
c**********e
发帖数: 1184 | 3 One of the worst days for sure. I think it might continue getting worse for
the rest of the month before it starts to get better in the new year.
【在 f******w 的大作中提到】
: worst day? or the worst is yet to come?
|
D*r
发帖数: 1298 | 4 没有的部分是不能做还是什么？比方说>417k的5／1。
**
【在 c**********e 的大作中提到】
: SUMMARY: 今天初始利率发布后，银行有连续多次向上调整利率价格。加州的购房贷款
: 30年固定现在可以已涨到4.875%，5/1 ARM到3.625%。
: ******************************** CALIFORNIA ********************************
: 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
: <=$729K
:
: REFINANCE CASH-OUT RATE:
: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
|
c**********e
发帖数: 1184 | 5 Good question! 没有的部分需要给我们打电话或发email询问，主要是要付point。付
不同的point可拿到不同的利率。
【在 D*r 的大作中提到】
: 没有的部分是不能做还是什么？比方说>417k的5／1。
:
: **
|
n*******y
发帖数: 3337 | 6 hehe, BSO 12/06 locked 540K 2.99% 5ARM |
c**********e
发帖数: 1184 | 7 这个利率真不错，而且还是Super-Conforming的loan。恭喜恭喜！
【在 n*******y 的大作中提到】
: hehe, BSO 12/06 locked 540K 2.99% 5ARM
|
