Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 3.250 2.625 2.250
Refinance Loan 3.375 2.750 2.375
Loan $ >=400K, FICO>=740, LTV
There is no point, no fee for refinance but there is fee for purchase loan (
purchase rate is 15-day based).
Refinance rates are based on SFH and GC or Citizens conditions.
Rate change is subject to loan amount, impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type ( investment or second home),
LTV and other conditions.
High Balance Loan (
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 3.500 2.875 2.750
Refinance Loan 3.500 2.875 2.750
The rates are based on criterion below and good for the time
when they are quoted:
Loan $ >=600K, FICO>=740, LTV
There is no point, no fee for refinance but there is fee for purchase loan (
purchase rate is 15-day based).
Refinance rates are based on SFH and GC or Citizens conditions.
Rate change is subject to loan amount, impound, property type(SFH vs Condo),
financing purpose (cash out),occupancy type ( investment or second home),
LTV and other conditions.
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Contact:
Jing Sun
jingsunloan@gmail.com
626.538.5688
DRE 01880010
NMLS 339172
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If you need to get real-time rate for your specific loan,
please include the answers to following questions into your email and send
it to jingsunloan@gmail.com. It will be answered within 24 hours.
1) Loan amount
2) Self-occupied or Investment or second home
3)Single Family House or Condo
4)Self-estimated FICO score
5)Expected LTV (loan to value of house)
6) W-2 or Self employed
7) Expected yearly DTI (Debt to income) ratio
8) Any other houses or loans
9) 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)
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