Saturday, June 7, 2014

Weekly Mortgage Update from Kelly Marsh

June 6, 2014
Kelly Marsh, Broadview Mortgage

Ahead of two major economic events, mortgage rates moved higher early in the week. When there were few surprises in either the Employment report or the ECB announcement, though, mortgage rates recovered some of their losses and ended the week just a little higher. This was the first weekly increase in rates in six weeks. 
THIS WEEK'S RATE TREND IS UP
Loan Amounts under $417K, Shown as Note Rate/APR
Conforming 30 year fixed: 4.25% / 4.336
FHA 30 Year Fixed: 3.875% / 5.421
Conforming 5/1 ARM: 3.00% / 2.888
Conforming 7/1 ARM: 3.375% / 3.189

Loan Amounts over $417K up to County Limits, Shown as Note Rate/APR
High Balance Conf. 30 Year Fixed: 4.375% / 4.423
FHA High Balance 30 Year Fixed: 3.875% / 5.392
High Balance 5/1 ARM: 3.500% / 3.233

Loan Amounts Exceeding County Limits, Shown as Note Rate/APR
Jumbo 30 Year Fixed: 4.375% / 4.415
Jumbo 5/1 ARM:  3.25% / 3.168
Jumbo 7/1 ARM: 3.50% / 3.305
Jumbo 10/1 ARM: 3.875% / 3.638

Loan Limit Snapshot

Conforming
All Counties: $417,000

High Balance Conforming
Santa Barbara: $625,500
Ventura: $598,000
San Diego: $546,250
LA/Orange: $625,500

High Balance FHA
Santa Barbara: $625,500
Ventura: $598,000
San Diego: $546,250
LA/Orange: $625,500


Licensed by the Department of Corporations under the California Residential Act License #813G136.  Subject to applicant and property qualification and availability of funds. Subject to change without notice. Rates and terms apply only to subject programs. Unless otherwise noted, rates shown are based on the purchase of a primary residence with one point loan origination. Rates vary by situation, so please call for a personalized rate quote.  This is intended to be informational to the real estate industry only and is not to be used with respect to an individual consumer who may be seeking mortgage credit, as certain information is not included, such as the APR.  Registered with the Nationwide Mortgage Licensing System and registry, NMLS #245822.

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