SUMMARY:今天(07月01日 星期五)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3.375%,15年固定利率穩定在2.750%, 5/1 ARM下降為2.750%。購房貸款40萬左右,30年固定的利率下降為3.250%,15年固定 穩定為2.625%,5/1 ARM下降為2.500%.
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 3.375 2.750 3.250 2.500 2.750 3.000 >$417K 3.550 2.750 3.375 2.750 3.250 3.375 Jumbo 4.000 3.375 ----- ------ 3.250 3.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.625 2.875 3.250 >$417K 3.990 3.375 3.750 ------ 3.875 4.000 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.125 2.500 2.500 2.875 APR 3.305 2.685 3.165 2.467 2.545 2.894 >$417K 3.450 2.750 3.250 2.750 3.000 3.250 APR 3.497 2.760 3.304 2.744 3.037 3.282 Jumbo 3.875 3.250 ----- ----- 3.000 3.000 APR 3.893 3.297 ----- ----- 3.031 3.023 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 3.250 3.500 APR 3.660 3.044 3.549 2.977 3.300 3.540
******************************** 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 3.375 2.625 2.875 3.125 >$417K 4.625 ----- ------ ----- 3.250 ----- 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 2.750 3.875 3.875 >$417K 4.625 ----- ------ ------- 3.250 -----
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.500 2.500 2.750 APR 3.285 2.577 3.136 2.428 2.525 2.785 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.867 3.372 ----- ------ 2.873 2.979 INVESTMENT PROPERTY - PURCHASE: 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 3.375 APR 3.630 2.973 3.521 2.938 3.279 3.413
******************************** 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 3.625 3.000 3.500 2.750 3.250 3.750 >$417K ----- ------ ------ ------ 3.500 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.250 3.625 3.000 ----- 4.125 >$417K ----- ------ ------ ------ 3.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.125 2.500 2.500 2.875 APR 3.296 2.572 3.163 2.422 2.544 2.893 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.871 3.380 ----- ------ 2.878 2.983 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.500 2.875 3.250 3.500 APR 3.776 3.166 3.549 2.931 3.299 3.538
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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