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房屋貸款利率

Rates are Current as of 12/5/2013
(The posted rates are only available from 9:00 a.m. to 4:00 p.m. Pacific Time on the above posted date. Please contact your nearest branch for further details).
 

CONFORMING FIXED RATE MORTGAGES

The security of fixed payments over the life of the loan.
Loan Term Interest Rate Discount Points APR*** Monthly Payments*
30 Years 4.375% 0.00pt. 4.388% $2,082.04
15 Years 3.500% 0.00pt. 3.522% $2,981.08
Loan amounts to $417,000 and Providing Full Supporting Documentation.


CONFORMING ADJUSTABLE RATE MORTGAGES

The option of lower rates during the initial fixed rate period.
Loan Type Interest Rate Discount Points APR*** Initial Monthly* Payments First Adjustment** Payments
10/1-Hybrid 4.250% 0.00pt. 4.193% $2,051.41 $1,816.62
7/1-Hybrid 3.750% 0.00pt. 3.344% $1,931.21 $1,768.33
5/1-Hybrid 3.250% 0.00pt. 3.063% $1,814.83 $1,741.91
3/1-Hybrid 3.125% 0.00pt. 2.987% $1,786.34 $1,734.80
Loan amounts to $417,000 and Providing Full Supporting Documentation.


JUMBO FIXED RATE MORTGAGES

The security of fixed payments over the life of the loan.
Loan Term Interest Rate Discount Points APR*** Monthly Payments*
15 Years 3.625% 0.50pt. 3.717% $3,605.20
15 Years 3.750% 0.00pt. 3.769% $3,636.13
Loan amounts from $417,001 to $2,500,000 and Providing Full Supporting Documentation.


JUMBO ADJUSTABLE RATE MORTGAGES

The option of lower rates during the initial fixed rate period.
Loan Type Interest Rate Discount Points APR*** Initial Monthly* Payments First Adjustment** Payments
10/1-Hybrid 4.375% 0.00pt. 4.439% $2,496.45 $2,187.10
7/1-Hybrid 3.875% 0.00pt. 3.801% $2,351.21 $2,126.55
5/1-Hybrid 3.750% 0.00pt. 3.236% $2,315.60 $2,106.64
3/1-Hybrid 3.625% 0.00pt. 3.094% $2,280.28 $2,090.85
Loan amounts from $417,001 to $2,500,000 and Providing Full Supporting Documentation.


SMART FIXED RATE MORTGAGES (Investment Property)

The security of fixed payments over the life of the loan coupled with flexible underwriting to meet your special borrowing needs.
Loan Term Interest Rate Discount Points APR*** Monthly Payments*
15 Years 4.670% 0.50pt. 4.768% $3,226.39
15 Years 4.795% 0.00pt. 4.893% $3,253.27
Loan amounts to $1,000,000 and Providing Limited Documentation.

NON RESIDENT5 & NON RESIDENT3 CONFORMING ADJUSTABLE RATE MORTGAGES (Investment Property)

The option of lower rates during the initial fixed rate period.
Loan Type Interest Rate Discount Points APR*** Initial Monthly* Payments First Adjustment** Payments
5/1-Hybrid 4.000% 0.00pt. 3.333% $1,990.84 $1,764.16
3/1-Hybrid 3.875% 0.00pt. 3.157% $1,960.91 $1,748.06
Loan amounts to $417,000 and Providing Limited Documentation or Full Supporting Documentation for a lower interest rate.


NON RESIDENT5 & NON RESIDENT3 JUMBO ADJUSTABLE RATE MORTGAGES (Investment Property)

The option of lower rates during the initial fixed rate period.
Loan Type Interest Rate Discount Points APR*** Initial Monthly* Payments First Adjustment** Payments
5/1-Hybrid 4.500% 0.00pt. 3.511% $2,112.90 $1,778.01
3/1-Hybrid 4.375% 0.00pt. 3.267% $2,082.04 $1,756.26
Loan amounts from $417,001 to $1,000,000 and Providing Limited Documentation or Full Supporting Documentation for a lower interest rate.


NON RESIDENT FIXED RATE MORTGAGES (Investment Property)

The security of fixed payments over the life of the loan coupled with flexible underwriting to meet your special borrowing needs.
Loan Term Interest Rate Discount Points APR*** Monthly Payments*
15 Years 4.250% 0.50pt. 4.343% $3,761.41
15 Years 4.375% 0.00pt. 4.394% $3,793.12
Loan amounts to $2,500,000 and Providing Full Supporting Documentation.



* Conforming and Smart examples are based on a loan amount of $417,000. Jumbo examples are based on a loan amount of $500,000. All examples are based on the following conditions:

  • The property is a single family purchase transaction used as your primary residence.
  • The down payment towards the property is 20% (30% for Smart Program)
  • Income and assets are documented and are sufficient to qualify (Income stated for Smart Program).
  • There will be no subordinate financing behind the newly created 1st Mortgage
  • Rates and points are based on a 45-day lock period in California, Nevada, Texas and Washington and a 60-day lock period in Illinois, Massachusetts, New Jersey and New York, Texas and Washington for all Conforming and Jumbo loans. Lock period is 21 days for all Smart loans.
  • Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a mortgage loan originator. Other restrictions may apply.
  • Due to various federal, state and local requirements, our mortgage products are only available in California, Illinois, Massachusetts, New Jersey, Nevada, New York, Texas and Washington State.
  • The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowner’s insurance or property taxes.
  • Credit subject to Cathay Bank approval.

ARM Loans Only:

  • Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjustment Payments** displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure.
  • ARM interest rates at adjustment, your new mortgage rate will be the weekly average yield on U.S. Treasury securities adjusted to a constant maturity of one (1) year, plus a margin of 2.75%, rounded to the nearest .125%, subject to annual and lifetime adjustment caps.
  • Annual adjustments will apply after the initial fixed rate period expires
  • The maximum Lifetime cap is 6.00% above the original rate

** The new estimated monthly payment due when the interest rate on adjustable-rate mortgage is reset. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.

*** The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of your loan amount to be applied to the origination charge, discount points and certain other closing costs.


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