All Rate posting are for illustration purpose with conditions. Please see below conditions for the rate posting. Please use the link below to request a customary rate quote to meet your situation.
This is update on April 21 2020 11:50:28.
| PRODUCT (CONVENTIONAL LOAN) | RATE(%) | POINT | ORIGINATION FEE | TOTAL ORIGINATION FEE | APR(%) |
|---|---|---|---|---|---|
| 7/1 arm jumbo home purchase | 13.5 | 0 | 1195 | 1195 | 4.248 |
| 7/1 arm conforming home purchase | 14.25 | 0 | 1195 | 1195 | 4.739 |
| 5/1 arm jumbo home purchase | 3.375 | 0 | 1195 | 1195 | 4.368 |
| 5/1 arm conforming home purchase | 4.125 | 0 | 1195 | 1195 | 4.784 |
| 30 year fix jumbo home purchase | 3.625 | 0 | 1195 | 1195 | 3.721 |
| 30 year fix investment | 3.75 | 1 | 1195 | 1195 | 3.847 |
| 30 year fix conforming home purchase | 3.375 | 0 | 1195 | 1195 | 3.413 |
| 30 year fix conforming home cashout refi | 3.75 | 0 | 1195 | 1195 | 3.812 |
| 15 year fix jumbo home purchase | 3.5 | 0 | 1195 | 1195 | 3.519 |
| 15 year fix investment | 3.625 | 1 | 1195 | 1195 | 3.874 |
| 15 year fix conforming home purchase | 2.875 | 0 | 1195 | 1195 | 2.944 |
| 15 year fix conforming home cashout refi | 3.375 | 0 | 1195 | 1195 | 3.429 |
All 5/1 arm are 2/2/5, 7/1 arm are 5/2/5, margin 2.25
The rate and closing cost posted on this web site reflect the market at time of posting. The market may change at any time without notice.
This rate is offered by loan originator Xiaomin James Wu , NMLS ID: 244114
Contact James by cell phone text message (512) 785-3841, Skype: xwu2000
Please remember to leave your name and call back phone number. Thank you.
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Submit a loan application (online)
Request a customary rate quote.
Work with a 5 star mortgage company.
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Condition to get the best rate.
All Rates are for 30 day lock.
For all conventional, conforming primary Home purchase or refi or refi cashout loans, above rate quotes are based on: loan amount $300,000, Loan to Value Ratio 80%. All borrowers have 740 or plus middle credit score, 43% or less debt to income ratio, 2 year stable income, enough down payment and reserve, US citizen, permanent resident borrowers, or residential VISA (such as H1-B), Loan has escrow account for tax and insurance, Single family home in a established community, other underwriting requirement may need.
For all conventional, conforming investment purchase or refi or refi cashout loans, above rate quotes are based on: loan amount $200,000, Loan to Value Ratio 75%. All borrowers have 740 or plus middle credit score, 43% or less debt to income ratio, 2 year stable income, enough down payment and reserve, US citizen, permanent resident borrowers, or residential VISA (such as H1-B), loan has escrow account for tax and insurance, single family home in a established community, other underwriting requirement may need. Borrowers own 4 real estate (including possible own in future) properties or less.
For all Jumbo home purchase or refi or refi cashout loans, above rate quotes are based on: loan amount $750,000, Loan to Value Ratio 75%. All borrowers have 800 or plus middle credit score, 40% or less debt to income ratio, 2 year stable income, enough down payment and reserve, US citizen, permanent resident borrowers, loan has escrow account for tax and insurance, single family home in a established community, other underwriting requirement may need.
If you do not meet above conditions or have any concern, just let use know. We will find the best rate loan products for you. We provide no obligation free evaluation, free pre-approval, free customer rate quote.
We have many other loan products, like one year tax return for self employed borrowers, 12 month or 24 month bank statement in lien of tax return for self employed borrowers, stated income for investment property. “sub- prime” loans for non perfect credit borrowers.
This rate posting is for information only and not an offering or guaranteed loan approval. All loan application are subject underwriting approval.
AAXY LLC dba AAXY Mortgage is a equal housing lender. With Texas Mortgage Company License. NMLS ID: 27597