SUMMARY:今天(07月11日星期一)開盤時的房貸利率價格和上個工作日相比稍差。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穩定至2.875%。購房貸款40萬左右,30年固定的利率穩定在3.250%,15年固定 利率穩定在2.625%,5/1 ARM穩定至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 3.375 2.750 3.250 2.625 2.875 3.250 >$417K 3.625 2.750 3.375 2.750 3.250 3.625 Jumbo 4.000 3.375 ----- ------ 3.250 3.250 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 2.750 3.250 3.375 >$417K 4.125 3.375 3.875 ------ ----- 4.250 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 2.750 3.000 APR 3.300 2.661 3.153 2.521 2.782 2.908 >$417K 3.500 2.750 3.375 2.750 3.250 3.500 APR 3.525 2.767 3.376 2.778 3.285 3.528 Jumbo 3.875 3.250 ----- ----- 3.000 3.000 APR 3.908 3.293 ----- ----- 3.036 3.033 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 3.750 APR 3.660 3.044 3.549 2.991 3.669 3.775
******************************** 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 2.750 3.125 3.375 >$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 2.875 3.875 3.750 >$417K 4.250 3.750 ------ ------- 3.375 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 2.750 2.875 APR 3.285 2.591 3.151 2.483 2.762 2.903 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.882 3.369 ----- ------ 2.881 2.989 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 3.500 3.625 APR 3.630 2.973 3.521 2.940 3.536 3.665
******************************** 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 3.875 3.875 >$417K ----- ------ ------ ------ 3.625 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.250 3.625 3.000 3.750 4.250 >$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 2.750 3.000 APR 3.302 2.587 3.178 2.476 2.781 3.039 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.886 3.377 ----- ------ 2.885 2.993 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 3.625 3.750 APR 3.786 3.172 3.576 2.986 3.668 3.773
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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