SUMMARY:今天(10月10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年固定利率穩定至3.375%,15年固定利率穩定在2.750%, 5/1 ARM上升至3.625%。購房貸款40萬左右,30年固定的利率穩定在3.375%,15年固定 利率上升至2.750%,5/1 ARM上升至3.250% 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 2.750 3.625 3.625 >$417K 3.625 2.750 3.500 2.875 3.375 3.375 Jumbo 4.125 3.875 ----- ------ 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 3.625 >$417K 3.950 3.500 3.875 3.750 3.375 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.625 3.250 3.250 APR 3.369 2.594 3.157 2.579 2.789 2.924 >$417K 3.375 2.750 3.375 2.750 3.125 3.125 APR 3.422 2.763 3.399 2.832 3.272 3.170 Jumbo 3.625 3.000 ----- ----- 3.000 3.125 APR 3.654 3.070 ----- ----- 3.034 3.145 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.125 3.500 2.875 3.625 3.750 APR 3.670 3.187 3.512 3.017 3.679 3.806 ******************************** 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 2.750 3.250 3.500 >$417K 4.000 ----- ------ ----- ----- 3.625 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 3.875 3.990 >$417K 4.125 ----- ------ ------- ----- 3.625 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.750 3.250 2.500 2.750 2.875 APR 3.285 2.588 3.135 2.541 2.775 2.923 >$417K 4.000 3.500 ----- ------ 3.625 3.125 APR 4.000 3.528 ----- ------ 3.637 3.121 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.750 APR 3.640 3.041 3.508 2.966 3.658 3.803 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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