SUMMARY:今天(08月15日 星期二)開盤時的房貸利率價格和上個工作日相比持平。目 前重新貸款40萬左右的利率,30年固定利率穩定在3.875%,15年固定利率穩定在3. 000%,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3.875%,15 年固定利率穩定在2.875%,5/1 ARM穩定在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 | 3.875 | 3.000 | 3.625 | 3.000 | 3.250 | 3.375 | >$417K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 | Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.750 | >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.765 | 2.973 | 3.524 | 2.892 | 3.043 | 3.179 | | >$417K | 3.800 | 3.125 | 3.625 | 3.125 | 3.250 | 3.375 | APR | 3.831 | 3.149 | 3.679 | 3.203 | 3.285 | 3.389 | | Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.893 | 3.530 | 4.151 | ------ | 3.264 | 3.276 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.140 | 3.474 | 3.946 | 3.492 | 3.411 | 3.662 | ******************************* 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 | 3.875 | 3.250 | 3.750 | 3.125 | 3.500 | 3.875 | >$417K | 4.375 | 4.125 | 4.375 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.125 | >$417K | 4.625 | 4.125 | 4.375 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.660 | 2.937 | 3.513 | 2.841 | 3.032 | 3.179 | | >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.868 | 3.521 | 4.122 | ------ | 3.239 | 3.252 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.047 | 3.438 | 3.911 | 3.440 | 3.432 | 3.683 | 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 |