SUMMARY:今天(05月27日星期五)開盤時的房貸利率價格和昨日相比稍好。目前重新貸 款40萬左右的利率,30年固定利率降低至3.500%,15年固定利率下降至2.750%,5/1 ARM 穩定為3.000%。購房貸款40萬左右,30年固定的利率維持為3.500%,15年固定穩定為2. 750%,5/1 ARM穩定在2.875%。 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。 ![](http://i42.tinypic.com/iptpbq.png)
******************************* 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 3.500 2.750 3.000 3.375 >$417K 3.750 3.125 3.625 3.000 3.375 3.625 Jumbo 4.250 3.750 3.875 ------ 3.625 3.625 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 2.875 3.375 3.625 >$417K 4.125 3.500 4.250 ------ 3.250 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.625 2.875 3.000 APR 3.522 2.753 3.433 2.713 2.912 3.051 >$417K 3.625 3.000 3.500 2.875 3.375 3.500 APR 3.665 3.070 3.550 2.943 3.417 3.548 Jumbo 4.125 3.500 3.750 ----- 3.375 3.375 APR 4.148 3.564 3.804 ----- 3.409 3.405 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.125 3.000 3.375 APR 3.887 3.200 3.702 3.135 3.120 3.385 ******************************** 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 2.875 3.250 3.500 >$417K 4.500 4.125 4.500 ----- 3.625 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.990 3.375 3.750 3.000 3.625 3.750 >$417K 4.375 4.000 4.500 ------ 3.500 3.625 -- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.625 2.750 3.000 APR 3.489 2.713 3.399 2.669 2.788 3.037 >$417K 4.125 3.625 3.875 ------ 3.250 3.375 APR 4.122 3.642 3.900 ------ 3.254 3.359 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 3.625 3.875 APR 3.780 3.160 3.681 3.077 3.663 3.897 ******************************** 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 3.250 3.750 3.000 3.750 4.125 >$417K 4.625 ------ ------ ----- 4.125 4.250 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 3.250 ----- 4.375 >$417K 4.750 ------ ------ ------ 4.125 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.750 3.375 2.625 2.875 3.125 APR 3.628 2.817 3.426 2.663 2.911 3.171 >$417K 4.125 3.625 3.875 ------ 3.250 3.375 APR 4.124 3.650 3.901 ------ 3.258 3.364 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.990 3.375 3.750 3.125 3.750 3.875 APR 4.048 3.440 3.819 3.190 3.793 3.923 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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