Living版 - 【今日房贷利率】2月8日星期二-12:20PM更新，又涨了！ |
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c**********e
发帖数: 1184 | 1 短评：今天（2月8日星期二）上午银行连续两次上调贷款利率，<$417K的购房贷款30年
固定涨到到5.000%了！但愿已买房交定金的朋友们利率已经锁定了，否则银行有可能根
据最新的利率来重新计算DTI（Debt-To-Income）Ratio来决定是否要重新审核已批准的
贷款。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.500 5.000 4.375
<=$729K 5.375 4.625
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.250 4.500 5.125 4.375
<=$729K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.250 4.875 4.250 3.750 4.125
APR: 5.112 4.439 5.027 4.523 3.854 4.231
<=$729K 5.250 4.500 4.250
APR: 5.343 4.656 4.338
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.375 4.625 5.250 4.500
APR: 5.490 4.816 5.404 4.774
******************************** MARYLAND ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.500 5.000 4.375
>$417K 5.250 4.625
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.250 4.500 5.125 4.375
>$417K
PURCHASE RATE - PRIMARY RESIDENCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.000 4.250 4.875 4.250 3.750 4.125
APR: 5.112 4.439 5.027 4.523 3.854 4.231
>$417K 5.250 4.500
APR: 5.343 4.656
PURCHASE RATE - INVESTMENT PROPERTY:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.375 4.625 5.250 4.500
APR: 5.490 4.816 5.404 4.774
******************************** VIRGINIA ********************************
REFINANCE 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 5.250 4.625
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.500 5.000 4.375
>$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 3.750 4.125
APR: 4.986 4.439 5.027 4.397 3.854 4.231
>$417K 5.125 4.500
APR: 5.217 4.656
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
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。 | c*****1
发帖数: 1826 | 2 kao, can not catch up with it. | c****o
发帖数: 32446 | |
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