SUMMARY:今天(05月17日星期二)開盤時的房貸利率價格和昨日相比持平。目前重新貸 款40萬左右的利率,30年固定利率維持在3.500%,15年固定維持為2.750%,5/1 ARM 上升為3.000%。購房貸款40萬左右,30年固定的利率維持為3.500%,15年固定上升為2. 750%,5/1 ARM維持在2.750%。
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 3.500 2.750 3.375 2.625 3.000 3.250 >$417K 3.700 2.875 3.500 2.875 3.000 3.375 Jumbo 4.000 3.500 3.875 ------ 2.875 3.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.875 3.500 2.750 3.125 3.375 >$417K 4.125 3.500 4.000 ------ 3.000 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.500 2.750 2.875 APR 3.491 2.717 3.377 2.595 2.793 2.906 >$417K 3.625 2.875 3.500 2.750 2.875 3.125 APR 3.640 2.892 3.497 2.851 2.901 3.172 Jumbo 3.875 3.375 3.750 ----- 2.750 3.125 APR 3.904 3.436 3.804 ----- 2.782 3.148 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.625 3.000 2.875 3.125 APR 3.782 3.093 3.670 3.056 2.910 3.181
******************************** 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 3.625 2.875 3.500 2.750 3.250 3.500 >$417K 4.375 4.000 4.375 ----- 2.625 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.000 3.750 3.750 >$417K 4.375 4.000 4.375 ------ 2.625 3.500 -- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.250 2.500 2.750 2.875 APR 3.404 2.695 3.299 2.556 2.773 2.904 >$417K 3.500 3.500 3.875 ------ 2.625 3.000 APR 3.456 3.507 3.900 ------ 2.887 2.958 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.625 2.875 2.875 3.250 APR 3.749 3.053 3.638 3.004 2.920 3.286
******************************** FLORIDA ******************************** (Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest Area only. 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 3.125 3.625 2.875 3.750 3.875 >$417K 4.750 ------ ------ ------ 2.625 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.950 3.375 3.750 3.125 3.875 4.250 >$417K 4.750 ------ ------ ------ 2.625 4.125 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.250 2.500 2.750 3.125 APR 3.522 2.760 3.322 2.550 2.791 3.167 >$417K 3.500 3.500 3.875 ------ 2.625 3.000 APR 3.461 3.516 3.901 ------ 2.888 2.962 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.000 2.875 3.250 APR 3.911 3.217 3.667 3.063 2.921 3.287
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
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