SUMMARY:今天(11月09日 星期三)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年固定利率上升至3.625%,15年固定利率穩定在 2.750%,5/1 ARM上升至3.125%。購房貸款40萬左右,30年固定的利率上升至3.450%, 15年固定利率上升至2.750%,5/1 ARM上升至2.875%. 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 | 3.625 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 | >$417K | 3.800 | 3.125 | 3.625 | 3.125 | 3.375 | 3.375 | Jumbo | 3.875 | 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 | 3.375 | 3.625 | >$417K | 4.125 | 3.625 | 4.125 | 3.750 | 3.500 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.450 | 2.750 | 3.250 | 2.750 | 2.875 | 3.125 | APR | 3.499 | 2.745 | 3.309 | 2.761 | 2.905 | 3.146 | | >$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.125 | 3.250 | APR | 3.658 | 2.955 | 3.564 | 2.973 | 3.156 | 3.271 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.659 | 3.060 | ------ | ------ | 3.019 | 3.033 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.000 | 3.750 | APR | 3.910 | 3.223 | 3.662 | 3.268 | 3.046 | 3.801 | ******************************* 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.625 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.750 | 3.875 | >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 | | 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 | 2.750 | 2.990 | APR | 3.420 | 2.723 | 3.299 | 2.745 | 2.788 | 3.040 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.743 | 3.130 | ------ | ------ | 3.004 | 3.126 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 | APR | 3.796 | 3.188 | 3.652 | 3.216 | 3.663 | 3.794 | 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 |