SUMMARY:今天(1月9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4.000%,15年固定利率穩定至
3.250%,5/1 ARM穩定在3.375%。購房貸款40萬左右,30年固定的利率上漲在4.000%,
15年固定利率穩定在3.125%,5/1 ARM下跌至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。
******************************* 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 |
4.000 |
3.250 |
3.875 |
3.250 |
3.375 |
3.625 |
>$417K |
4.125 |
3.500 |
4.000 |
3.500 |
3.750 |
3.875 |
Jumbo |
4.250 |
3.875 |
------ |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.875 |
3.250 |
3.625 |
3.875 |
>$417K |
4.375 |
4.000 |
4.375 |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.750 |
3.125 |
2.990 |
3.250 |
APR |
3.931 |
3.187 |
3.779 |
3.199 |
3.020 |
3.288 |
|
>$417K |
3.990 |
3.375 |
3.990 |
3.375 |
3.500 |
3.750 |
APR |
4.037 |
3.409 |
4.055 |
3.451 |
3.531 |
3.785 |
|
Jumbo |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.242 |
3.773 |
------ |
------ |
3.403 |
3.646 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.000 |
3.990 |
APR |
4.286 |
3.599 |
4.175 |
3.644 |
4.049 |
4.027 |
******************************* 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 |
3.375 |
3.875 |
3.375 |
3.750 |
3.875 |
>$417K |
------ |
------ |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.750 |
4.125 |
3.500 |
4.125 |
4.250 |
>$417K |
5.000 |
------ |
------ |
------ |
3.875 |
4.000 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.000 |
3.750 |
3.000 |
2.990 |
3.250 |
APR |
3.901 |
3.099 |
3.778 |
3.144 |
3.013 |
3.281 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.375 |
3.625 |
APR |
4.215 |
3.763 |
------ |
------ |
3.377 |
3.620 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.500 |
4.125 |
3.500 |
4.000 |
3.990 |
APR |
4.255 |
3.564 |
4.146 |
3.592 |
4.042 |
4.020 |
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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