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  • March 28, 2009 at 10:44 PM #374840
    Eugene
    Participant

    Last thing I heard, loans above 546 were supposed to become available any time, that was early March … HLS will surely be able to answer this question. You should have no problem getting a loan for 546 on a 680k house, provided you have income.

    March 30, 2009 at 8:13 AM #374528
    HLS
    Participant

    Current FNMA/Freddie High Balance/Super Conforming
    limit is still $546K in SD county. (Higher in OC & LA) I think that FHA has higher limits.

    There has been talk of raising the limits again, but until it’s actually in place, it’s just talk.

    15% down is still required on loan amounts above $417K-$546K… Below $417K, 5% down is still possible.

    30 YR fixed rates are available as low as 4.25% on either program, it’s just a matter of what you are willing/able to pay in costs.

    For a 30 YR fixed loan above $546K you are usually dealing with portfolio lending. Rates and terms are all over the board.

    5YR or 7YR ARMS are available on higher amounts as well. …HLS https://www.efanniemae.com/sf/refmaterials/loanlimits/index.jsp

    March 30, 2009 at 8:13 AM #374809
    HLS
    Participant

    Current FNMA/Freddie High Balance/Super Conforming
    limit is still $546K in SD county. (Higher in OC & LA) I think that FHA has higher limits.

    There has been talk of raising the limits again, but until it’s actually in place, it’s just talk.

    15% down is still required on loan amounts above $417K-$546K… Below $417K, 5% down is still possible.

    30 YR fixed rates are available as low as 4.25% on either program, it’s just a matter of what you are willing/able to pay in costs.

    For a 30 YR fixed loan above $546K you are usually dealing with portfolio lending. Rates and terms are all over the board.

    5YR or 7YR ARMS are available on higher amounts as well. …HLS https://www.efanniemae.com/sf/refmaterials/loanlimits/index.jsp

    March 30, 2009 at 8:13 AM #374986
    HLS
    Participant

    Current FNMA/Freddie High Balance/Super Conforming
    limit is still $546K in SD county. (Higher in OC & LA) I think that FHA has higher limits.

    There has been talk of raising the limits again, but until it’s actually in place, it’s just talk.

    15% down is still required on loan amounts above $417K-$546K… Below $417K, 5% down is still possible.

    30 YR fixed rates are available as low as 4.25% on either program, it’s just a matter of what you are willing/able to pay in costs.

    For a 30 YR fixed loan above $546K you are usually dealing with portfolio lending. Rates and terms are all over the board.

    5YR or 7YR ARMS are available on higher amounts as well. …HLS https://www.efanniemae.com/sf/refmaterials/loanlimits/index.jsp

    March 30, 2009 at 8:13 AM #375029
    HLS
    Participant

    Current FNMA/Freddie High Balance/Super Conforming
    limit is still $546K in SD county. (Higher in OC & LA) I think that FHA has higher limits.

    There has been talk of raising the limits again, but until it’s actually in place, it’s just talk.

    15% down is still required on loan amounts above $417K-$546K… Below $417K, 5% down is still possible.

    30 YR fixed rates are available as low as 4.25% on either program, it’s just a matter of what you are willing/able to pay in costs.

    For a 30 YR fixed loan above $546K you are usually dealing with portfolio lending. Rates and terms are all over the board.

    5YR or 7YR ARMS are available on higher amounts as well. …HLS https://www.efanniemae.com/sf/refmaterials/loanlimits/index.jsp

    March 30, 2009 at 8:13 AM #375150
    HLS
    Participant

    Current FNMA/Freddie High Balance/Super Conforming
    limit is still $546K in SD county. (Higher in OC & LA) I think that FHA has higher limits.

    There has been talk of raising the limits again, but until it’s actually in place, it’s just talk.

    15% down is still required on loan amounts above $417K-$546K… Below $417K, 5% down is still possible.

    30 YR fixed rates are available as low as 4.25% on either program, it’s just a matter of what you are willing/able to pay in costs.

    For a 30 YR fixed loan above $546K you are usually dealing with portfolio lending. Rates and terms are all over the board.

    5YR or 7YR ARMS are available on higher amounts as well. …HLS https://www.efanniemae.com/sf/refmaterials/loanlimits/index.jsp

    March 30, 2009 at 1:32 PM #374677
    LarryTheRenter
    Participant

    Jumbos are all over the map as HLS says….I got a quote from San Diego Co credit union and also BofA that were around APR of 5.8% with 1 point….Wells Fargo rates were in the mid 6’s range…

    March 30, 2009 at 1:32 PM #374958
    LarryTheRenter
    Participant

    Jumbos are all over the map as HLS says….I got a quote from San Diego Co credit union and also BofA that were around APR of 5.8% with 1 point….Wells Fargo rates were in the mid 6’s range…

    March 30, 2009 at 1:32 PM #375136
    LarryTheRenter
    Participant

    Jumbos are all over the map as HLS says….I got a quote from San Diego Co credit union and also BofA that were around APR of 5.8% with 1 point….Wells Fargo rates were in the mid 6’s range…

    March 30, 2009 at 1:32 PM #375179
    LarryTheRenter
    Participant

    Jumbos are all over the map as HLS says….I got a quote from San Diego Co credit union and also BofA that were around APR of 5.8% with 1 point….Wells Fargo rates were in the mid 6’s range…

    March 30, 2009 at 1:32 PM #375301
    LarryTheRenter
    Participant

    Jumbos are all over the map as HLS says….I got a quote from San Diego Co credit union and also BofA that were around APR of 5.8% with 1 point….Wells Fargo rates were in the mid 6’s range…

    March 30, 2009 at 7:58 PM #374792
    eagleeye
    Participant

    I just locked for 180 days with NFCU at 5.625% on what would be considered a super jumbo 30-year fixed rate with over 25% down. I paid 1/2 point which included a 1/4 pt discount fee and a 1/4 pt fee for a one-time float down opportunity if rates decline. The 180-day lock raised the interest rate from their current 5.375% to 5.625%.

    March 30, 2009 at 7:58 PM #375073
    eagleeye
    Participant

    I just locked for 180 days with NFCU at 5.625% on what would be considered a super jumbo 30-year fixed rate with over 25% down. I paid 1/2 point which included a 1/4 pt discount fee and a 1/4 pt fee for a one-time float down opportunity if rates decline. The 180-day lock raised the interest rate from their current 5.375% to 5.625%.

    March 30, 2009 at 7:58 PM #375252
    eagleeye
    Participant

    I just locked for 180 days with NFCU at 5.625% on what would be considered a super jumbo 30-year fixed rate with over 25% down. I paid 1/2 point which included a 1/4 pt discount fee and a 1/4 pt fee for a one-time float down opportunity if rates decline. The 180-day lock raised the interest rate from their current 5.375% to 5.625%.

    March 30, 2009 at 7:58 PM #375295
    eagleeye
    Participant

    I just locked for 180 days with NFCU at 5.625% on what would be considered a super jumbo 30-year fixed rate with over 25% down. I paid 1/2 point which included a 1/4 pt discount fee and a 1/4 pt fee for a one-time float down opportunity if rates decline. The 180-day lock raised the interest rate from their current 5.375% to 5.625%.

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