SUMMARY:今天(06月14日星期二)開盤時的房貸利率價格和上個工作日相比稍好。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3.375%,15年固定 下降為2.625%,5/1 ARM穩定為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 3.250 2.625 2.875 3.125 >$417K 3.625 2.875 3.375 2.750 3.250 3.375 Jumbo 4.125 3.500 ----- ------ 3.250 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.500 2.750 3.125 3.250 >$417K 3.990 3.375 3.875 ------ 4.000 4.125 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.625 2.875 APR 3.409 2.722 3.200 2.518 2.662 2.918 >$417K 3.550 2.750 3.375 2.750 3.125 3.250 APR 3.530 2.801 3.379 2.747 3.158 3.277 Jumbo 4.000 3.250 ----- ----- 3.000 3.000 APR 4.013 3.318 ----- ----- 3.031 3.037 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.875 3.375 3.625 APR 3.680 3.062 3.577 3.017 3.417 3.675
******************************** 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 3.500 2.750 3.500 2.750 3.000 3.250 >$417K 4.625 ----- ------ ----- 3.500 3.750 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.500 2.875 3.625 3.500 >$417K 4.625 ----- ------ ------- 3.500 3.875
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.625 2.875 APR 3.380 2.687 3.171 2.480 2.642 2.906 >$417K 4.000 3.375 ----- ------ 3.125 3.125 APR 3.998 3.388 ----- ------ 3.122 3.128 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.875 3.375 3.625 APR 3.650 3.027 3.549 2.966 3.397 3.656
******************************** 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 3.000 3.500 2.875 3.625 3.625 >$417K 4.500 ------ ------ ------ ------ ----- 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 3.000 3.875 3.750 >$417K 4.500 ------ ------ ------ ------ ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.625 2.875 APR 3.416 2.709 3.198 2.473 2.661 2.925 >$417K 4.000 3.375 ----- ------ 3.125 3.125 APR 4.001 3.396 ----- ------ 3.127 3.133 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 2.875 3.375 3.625 APR 3.804 3.196 3.657 2.982 3.416 3.664
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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