欧罗猪国债务危机的阴影挥之不去，美国这边箱的投资人无法安宁，即使最新失业数据已回到2008年五月的水平，一些其他美国本土经济指标也比预期强劲，股市却依然疲莫能兴。礼拜二结束的联储局会议，没有暗示推出任何新的刺激经济方案，以及联储局局长向国会解释，美国不会也没能力出手“打救”欧盟，都令部分投资者失望。资金持续流向债券市场。
这对想要 refinance 的屋主却是大好消息！就连大额贷款 （ > $417,000）的利率也创出新低。
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今天利率如下 Below is a summary on mortgage rates as of 12/16/11**:
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*****Refinance Loan***** (no costs to borrower 不用付费丶买点)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______3.875%__________3.375%_______2.875%
APR_________3.875%__________3.375%_______2.875%
≤625K______4.000%__________3.375%_______3.500%
APR_________4.000%__________3.375%_______3.500%
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†Contact me on HARP II Refi, LTV >80% (or negative equity) and also on FHA loans.
房价跌了，没法做 Refi 怎么办？请来电咨询有关政府最新推出的 HARP II 计划，旨在帮助没办法符合一般 Refi 条件的屋主。
首付不够多，可以考虑有政府担保的FHA贷款，尤其是贷款保险费较低的15年计划。
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*****Purchase Loan***** (no point 不用买点)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______3.750%_________3.250%________2.750%
APR_________3.850%_________3.400%________2.850%
≤625K______3.875%_________3.250%________3.375%
APR_________3.975%_________3.400%________3.475%
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For more details and questions, please feel free to contact me.
欢迎查询贷款利率动态
Tel: 949.232.0828
Email: hkcharles@yahoo.com
DRE# 01363144
NMLS# 342799
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欢迎访问"言之有屋"，我的博客--Please visit my Blog
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**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%, Loan Amount ≥$380,000 for Conforming, ≥$480,000 for High Balance.
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