Today's Best Rate
Conforming(under $ 417,000) High Balance($ 417,001-$ 625,000) Jumbo($ 625,001-$ 2M)
30 Year Fix 4.00% (APR) 4.125% (APR) 4.50% (APR)
15 Year Fix 3.125% (APR) 3.25% (APR) 3.875% (APR)
7/1 ARM 3.125% (APR) 3.25% (APR) 3.25% (APR)
5/1 ARM 2.75% (APR) 2.875% (APR) 2.875% (APR)
Note: Rate changes without notice.
How can I get the best rate? Contact Vicki for a free consulant.
Monthly payment = Principle + interest.
Simple Pre-qualfication Formula (简易贷款资格计算公式）：
1. PITI (Principle + intereste + property tax + insurance)
3. HO6 insurance
4. Car loan, student loan or other loan
If total amount of (1+ 2+ 3 + 4) < 45% monthly income (before tax), you are most likely to qualify a loan. Contact Vicki for detailed calculation.
Property tax is about 1.25% of purchase price;
Insurance is about $40--$100/month depending on insurance coverage; Some HOA fee may cover fire insurance;
HO6 insurance is wall-in insurance. For Condo and Townhouse, it is needed by lender. Click here for explanation for HO6 insurance.