Saturday, July 26, 2014

Weekly Mortgage Rate Update

The conflicts in Ukraine and the Middle East had little impact on markets this week, while the economic data was slightly stronger than expected overall. As a result, mortgage rates ended the week a little higher. 
THIS WEEK'S RATE TREND IS FLAT
Loan Amounts under $417K, Shown as Note Rate / (APR)
Conforming 30 year fixed: 4.250% / (APR 4.310)
FHA 30 Year Fixed: 3.750% / (APR 5.265)
Conforming 5/1 ARM: 3.000% / (APR 3.044)
Conforming 7/1 ARM: 3.375%      / (APR 3.359)

Loan Amounts over $417K up to County Limits, Shown as Note Rate / (APR)
High Balance Conf. 30 Year Fixed: 4.375% / (APR 4.523%)
FHA High Balance 30 Year Fixed: 3.875% / (APR 5.492)
High Balance 5/1 ARM: 3.500% / (APR 3.189)

Loan Amounts Exceeding County Limits, Shown as Note Rate / (APR)
Jumbo 30 Year Fixed: 4.125% / (APR 4.210%)
Jumbo 5/1 ARM:  3.000% / (APR 3.044%)
Jumbo 7/1 ARM: 3.500% / (APR 3.289)
Jumbo 10/1 ARM: 3.750% / (APR 3.559)

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

Kelly Marsh
Branch Manager
805-563-1100 ext. 106
  
We can pre-approve your client, help them fix credit scores and get them on the path to homeownership. Let us know how we can assist your clients.
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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