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SUMMARY: 今天(12月10日星期五)的重貸利率和昨天的基本持平。Conforming的購房貸款中30年固定、20年固定、5/1 ARM、7/1 ARM較昨天的降了。
**************************** CALIFORNIA **************************** REFINANCE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.750 4.250 4.750 4.125 <=$729K 4.875 4.375 REFINANCE CASH-OUT RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.875 4.250 4.750 4.250 <=$729K PURCHASE RATE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.625 4.000 4.500 3.875 3.125 3.375 APR: 4.860 4.188 4.655 4.146 3.226 3.478 <=$729K 4.875 4.250 3.750 APR: 4.966 4.405 3.835 Rates above are based on the following assumptions: 1. Loan Amount: $380K for Conforming loan, $550K for Super-Conforming loans; 2. Loan-To-Value (LTV): - <=80% for Conforming Refinance and Purchase; - <=70% for Conforming Cash-Out Refinance; - <=75% for Super-Conforming Refinance and Purchase; - <=65% for Super-Conforming Cash-Out Refinance. 3. Primary Residence; 4. Single Family Residence; 5. Credit score>=740; 6. No Impound/Escrow Account.
For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate.
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