AAXY Mortgage Today's Rate

This is updated on 02/16/2018 at 10:00am.

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.

Product (conventional loan) Rate Point Origination fee Total Origination Fee APR
30 year fix conforming home purchase 4.25% 0.103 1495 1804 4.305%
15 year fix conforming home purchase 3.75% -0.156 1495 1027 3.845%
5/1 arm conforming home purchase 3.75% 0.131 1495 1888 4.354%
7/1 arm conforming home purchase 3.75% 0.173 1495 2014 4.617%
30 year fix conforming home cashout refi 4.5% -0.262 1495 709 4.617%
15 year fix conforming home cashout refi 4.0% -0.337 1495 484 4.199%
30 year fix investment 4.625 0.243 1495 1951 4.713%
15 year fix investment 4.25% 0.127 1495 1733 4.401%
30 year fix jumbo home purchase 4.375% -0.093 1495 797 4.416%
15 year fix jumbo home purchase 4.125% -0.089 1495 828 4.169%
5/1 arm jumbo home purchase 3.75% -0.196 1495 25 4.324%
7/1 arm jumbo home purchase 3.875 -0.066 1495 1000 4.295%
Above are conventional loans





All 5/1 arm are 2/2/5, 7/1 arm are 5/2/5, margion 2.25


Last week one year Libor index is 2.33





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.

Condition to get the best rate.

All Rate pricings 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 $187,500, 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. 

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.

Request a customary rate quote.

Submit a loan application (online)

Just ask a question.

Please remember to leave your name and call back phone number. Thank you.

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

AAXY LLC dba AAXY Mortgage is a equal housing lender. With Texas Mortgage Company License. NMLS ID: 27597

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