今日贷款利率  01/14/15**:

*****Refinance Loan*****

(no point, no fee, no out-of-pocket costs)

Loan Amt    30Yr Fixed   15Yr Fixed   5/1 ARM

Conforming

≤417K           3.500%         2.875%       2.750%

APR              3.500%         2.875%       2.750%

High Balance

≤625K           3.625%         3.000%       3.000%

APR              3.625%         3.000%       3.000%

Jumbo

>625K           4.000%         3.375%       3.250%

APR              4.000%         3.375%       3.250%

†Contact me for HARP II Refi, LTV >80% (negative equity)

If your property value went down and couldn’t qualify for refi, gov’t sponsored HARP II maybe an option.

*****Purchase Loan*****

(no point)

Loan Amt    30Yr Fixed   15Yr Fixed   5/1 ARM

Conforming

≤417K           3.500%         2.750%       2.625%

APR              3.650%         2.900%       2.775%

High Balance

≤625K           3.625%         2.875%       3.000%

APR              3.775%         3.025%       3.150%

Jumbo

>625K           3.875%         3.250%       3.125%

APR              4.075%         3.450%       3.325%

**Mortgage rates fluctuate daily.  Certain requirements apply.  Rate quote based on 15-day Lock, Owner-occupied Single Family Residence (SFR) in CA, Borrower FICO Score ≥740, Loan-to-value (LTV) ≤75% (LTV ≤ 70% on Jumbo), Loan Amount ≥$380,000 for Conforming, ≥$480,000 for High Balance, ≥ $625,000 for Jumbo.