SUMMARY:今天(10月31日 星期一)開盤時的房貸利率價格和上個工作日相比持平
。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3.000%。購房貸款40萬左右,30年固定的利率穩定在3.375%,
15年固定利率穩定在2.625%,5/1 ARM下降至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 |
3.500 |
2.750 |
3.375 |
2.750 |
3.000 |
3.250 |
>$417K |
3.700 |
2.875 |
3.500 |
2.875 |
3.375 |
3.375 |
Jumbo |
3.750 |
3.250 |
------ |
------ |
3.125 |
3.250 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
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 |
3.500 |
>$417K |
4.000 |
3.500 |
3.875 |
3.625 |
3.375 |
3.375 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.375 |
2.625 |
3.250 |
2.500 |
2.750 |
2.990 |
APR |
3.399 |
2.703 |
3.240 |
2.623 |
2.794 |
3.041 |
|
>$417K |
3.550 |
2.750 |
3.375 |
2.750 |
3.125 |
3.125 |
APR |
3.578 |
2.820 |
3.429 |
2.833 |
3.159 |
3.168 |
|
Jumbo |
3.625 |
3.000 |
------ |
------ |
2.875 |
3.000 |
APR |
3.638 |
3.041 |
------ |
------ |
2.912 |
3.027 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.500 |
3.000 |
3.625 |
3.750 |
APR |
3.775 |
3.098 |
3.538 |
3.143 |
3.673 |
3.796 |
******************************* 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 |
3.500 |
2.875 |
3.250 |
3.500 |
>$417K |
3.875 |
------ |
------ |
------ |
------ |
3.500 |
|
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 |
3.125 |
3.875 |
3.875 |
>$417K |
4.000 |
------ |
------ |
------ |
------ |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.250 |
2.625 |
3.250 |
2.500 |
2.750 |
2.990 |
APR |
3.305 |
2.697 |
3.236 |
2.584 |
2.774 |
3.038 |
|
>$417K |
3.625 |
3.125 |
------ |
------ |
3.000 |
3.125 |
APR |
3.635 |
3.112 |
------ |
------ |
3.009 |
3.120 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.625 |
3.000 |
3.500 |
3.000 |
3.625 |
3.750 |
APR |
3.671 |
3.063 |
3.534 |
3.091 |
3.657 |
3.793 |
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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