SUMMARY:今天(02月02日 星期四)開盤時的房貸利率價格和上個工作日相比趨於穩定 。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率穩定在3. 250%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率穩定在3.990%, 15年固定利率穩定在3.250%,5/1 ARM下降在3.000%.
注:除非特別說明,以下列出的利率都是基於本帖底部的貸款參數,並且是帶impound account的利率。 ******************************* CALIFORNIA ******************************* (Based on Conforming Loan $380K, High-Balance Loan $550K, Jumbo Loan $750K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 | >$417K | 4.300 | 3.375 | 4.125 | 3.625 | 3.750 | 3.875 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 4.037 | 3.204 | 3.890 | 3.228 | 3.053 | 3.289 | | >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.625 | APR | 4.165 | 3.313 | 4.024 | 3.366 | 3.531 | 3.655 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.145 | 3.642 | ------ | ------ | 3.413 | 3.642 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 3.875 | 3.990 | APR | 4.411 | 3.688 | 4.271 | 3.716 | 3.928 | 4.019 | ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 4.000 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | 3.990 | >$417K | 4.500 | 4.250 | ------ | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 | APR | 3.932 | 3.206 | 3.866 | 3.188 | 3.033 | 3.282 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.141 | 3.636 | ------ | ------ | 3.387 | 3.631 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | APR | 4.297 | 3.582 | 4.190 | 3.619 | 3.907 | 4.011 | Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day.
Rates above are based on the following assumptions:
1. Loan Amount: See detailed loan amounts under the State name above; 2. Loan-To-Value (LTV): - <=75% for Primary Residence Conforming Refinance & Purchase; - <=70% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase ( except for 7/1 ARM which is <=70%); - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase; - <=65% for Jumbo Refi & Purchase. 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=740; 6. With Impound/Escrow Account; 7. 30-day lock; 8. US Citizen or Permanent Resident (Sorry, this is a requirement by the lender from which the above rates are based)
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
注:以上凡是沒有表明利率的loan program,意味著該program做不了no point的貸款 ,需要收point才能做。
方圓貸款NMLS ID: 231959 |