SUMMARY:今天(06月09日星期四)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年固定利率穩定在3.500%,15年固定利率穩定在2.750%,5/1 ARM穩定在2.875%。購房貸款40萬左右,30年固定的利率穩定為3.500%,15年固定穩定 為2.750%,5/1 ARM下降至2.625%。 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 2.875 3.125 >$417K 3.625 2.875 3.500 2.750 3.375 3.500 Jumbo 4.125 3.500 ----- ------ 3.500 3.375 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 4.250 3.625 3.875 ------ ----- 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.500 2.625 2.875 APR 3.426 2.704 3.288 2.583 2.674 2.918 >$417K 3.550 2.875 3.375 2.750 3.250 3.375 APR 3.597 2.905 3.410 2.799 3.272 3.405 Jumbo 4.000 3.375 ----- ----- 3.250 3.250 APR 4.029 3.425 ----- ----- 3.285 3.282 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 3.000 3.375 APR 3.775 3.098 3.674 3.090 3.040 3.378 ******************************** 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 3.125 3.375 >$417K ----- ------ ------ ----- 3.625 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.000 3.750 3.750 >$417K ----- ------ ------ ------- 2.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.500 2.625 2.875 APR 3.420 2.687 3.280 2.568 2.656 2.928 >$417K 4.000 3.500 ----- ------ 3.250 3.375 APR 4.009 3.499 ----- ------ 3.266 3.365 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.625 2.875 3.375 3.750 APR 3.671 3.081 3.646 3.019 3.371 3.765 ******************************** 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 3.750 3.125 3.625 2.875 3.875 3.750 >$417K ----- ------ ------ ----- 2.625 ----- 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 ----- 4.125 >$417K ----- ------ ------ ------ 2.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.500 2.625 2.990 APR 3.429 2.773 3.307 2.561 2.672 3.040 >$417K 4.000 3.500 ----- ------ 3.250 3.375 APR 4.012 3.504 ----- ------ 3.271 3.375 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 3.500 3.750 APR 3.905 3.209 3.691 3.075 3.546 3.786 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 |