SUMMARY:今天(12月30日 星期五)開盤時的房貸利率價格和上個工作日相比趨於持平 。目前重新貸款40萬左右的利率,30年固定利率穩定在4.125%,15年固定利率穩定至 3.375%,5/1 ARM穩定在3.500%。購房貸款40萬左右,30年固定的利率穩定在3.990%, 15年固定利率穩定在3.250%,5/1 ARM降低至2.990%. 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。 (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 | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | >$417K | 4.200 | 3.625 | 4.125 | 3.875 | 3.750 | 4.000 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.750 | 3.990 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.029 | 3.258 | 3.793 | 3.231 | 3.033 | 3.403 | | >$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.137 | 3.512 | 4.015 | 3.430 | 3.537 | 3.785 | | Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.241 | 3.671 | ------ | ------ | 3.410 | 3.660 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.625 | 4.125 | 4.250 | APR | 4.401 | 3.706 | 4.198 | 3.743 | 4.171 | 4.299 | ******************************* 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 | 4.125 | 3.500 | 4.000 | 3.375 | 3.875 | 3.990 | >$417K | 4.500 | 4.125 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | 4.375 | >$417K | 4.500 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 4.002 | 3.224 | 3.792 | 3.230 | 3.026 | 3.396 | | >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 | APR | 4.238 | 3.730 | ------ | ------ | 3.385 | 3.638 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | 4.125 | 3.990 | APR | 4.287 | 3.670 | 4.190 | 3.691 | 4.164 | 4.043 | 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 |