Jumbo loan and 7/1 loan rates are included.Conforming loan (<=$417k)Purpose of Loan 30 YR 15 YR 5/1 7/1Purchase Loan 3.625 2.750 2.375 2.625Refinance Loan 3.625 2.875 2.500 2.750The rates are based on criterion below andgood for the time when they are quoted:Loan$>=400K,FICO>=740,LTV<=75%,O/O,SFHThere is no point, no fee for refinance butthere is fee for purchase loan. Some ratesrequire GC/Citizen. Adding impound accountmight bring in better rates.Rate change is subject to loan amount,impound, property type(SFH vs Condo),financing purpose (cash out),occupancy type( investment or second home),GC/Citizen,LTV and other conditions.High Balance Loan (<=625k)Purpose of Loan 30 YR 15 YR 5/1 7/1Purchase Loan 3.750 2.875 2.750 3.125Refinance Loan 3.875 3.000 2.875 3.250The rates are based on criterion below andgood for the time when they are quoted:Loan$>=600K,FICO>=740,LTV<=75%,O/O,SFHThere is no point, no fee for refinance butthere is fee for purchase loan. Some ratesrequire GC/Citizen.Adding impound accountmight bring in better rates.Rate change is subject to loan amount,impound, property type(SFH vs Condo),financing purpose (cash out),occupancy type( investment or second home),GC/Citizen,LTV and other conditions.Jumbo Loan ( Up to 2M)Purpose of Loan 30 YR 15 YR 5/1 7/1Purchase Loan 4.250 3.625 3.375 3.875Refinance Loan 4.375 3.750 3.500 4.000The rates are based on criterion below andgood for the time when they are quoted:Loan$>=729K,FICO>=760,LTV<=60%,O/O,SFHThere is no point, no fee for refinance butthere is fee for purchase loan. Some ratesrequire GC/Citizen.Adding impound accountmight bring in better rates.Rate change is subject to loan amount,impound, property type(SFH vs Condo),financing purpose (cash out),occupancy type( investment or second home),GC/Citizen,LTV and other conditions._____________________________________Contact:Jing Sunjingsunloan@gmail.com626.538.5688DRE 01880010NMLS 339172______________________________________If you need to get real-time rate for yourspecific loan,please include the answers tofollowing questions into your email and sendit to jingsunloan@gmail.com.It will be answered within 24 hours.1) Loan amount2) Self-occupied or Investment or second home3)Single Family House or Condo4)Self-estimated FICO score5)Expected LTV (loan to value of house)6) W-2 or Self employed7) Expected yearly DTI (Debt to income) ratio8) Any other houses or loans9) Type of loan you are interested(refi/new, 30,15,3/1,5/1, 7/1)10) Is this for cash out?11) What is your current mortgage rate and when did you get it?12) Do you want impound account?13) Status (Citizen, Green Card or H1-b) |