SUMMARY:今天(06月27日星期一)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上升為2.990%。購房貸款40萬左右,30年固定的利率穩定為3.375%,15年固定 穩定為2.625%,5/1 ARM上升為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 3.250 2.500 2.990 3.125 >$417K 3.625 2.875 3.875 3.625 3.250 3.375 Jumbo 4.500 ----- ----- ------ ----- 3.625 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.375 2.625 3.250 3.250 >$417K 3.990 3.375 4.500 ------ 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 3.250 2.500 2.875 2.875 APR 3.389 2.697 3.236 2.474 2.789 2.918 >$417K 3.500 2.750 3.750 2.375 3.125 3.250 APR 3.520 2.770 3.768 2.493 3.159 3.272 Jumbo 4.000 3.875 ----- ----- 3.375 3.375 APR 4.032 3.946 ----- ----- 3.415 3.405 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 3.625 3.500 APR 3.680 3.080 3.577 2.983 3.666 3.553
******************************** 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 2.875 3.375 2.625 3.375 3.375 >$417K ----- ----- ------ ----- 3.375 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.875 3.625 3.500 >$417K 4.625 ----- ------ ------- 3.500 -----
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.500 3.250 2.500 2.750 2.875 APR 3.360 2.592 3.232 2.435 2.788 2.919 >$417K 4.000 3.750 ----- ------ 3.375 3.500 APR 4.008 3.787 ----- ------ 3.385 3.510 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 3.625 3.500 APR 3.650 3.045 3.549 2.944 3.663 3.550
******************************** 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 2.750 3.625 3.500 >$417K ----- ------ ------ ------ 3.750 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.250 3.625 3.000 ----- 3.750 >$417K 4.875 ------ ------ ------ 4.000 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.500 3.250 2.500 2.875 2.990 APR 3.384 2.587 3.230 2.429 2.913 3.012 >$417K 4.000 3.875 ----- ------ ----- 3.375 APR 4.011 3.908 ----- ------ ----- 3.385 INVESTMENT PROPERTY - PURCHASE: 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 APR 3.781 3.097 3.569 2.937 3.675 3.660
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
|