SUMMARY:今天(04月12日 星期三)開盤時的房貸利率價格和上個工作日相比略微下降 。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年固定利率穩定在3. 250%,5/1 ARM穩定在3.250%。購房貸款40萬左右,30年固定的利率下降到3.875%, 15年固定利率下降在3.125%,5/1 ARM下降在3.000%.
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 | 3.750 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 3.750 | 4.250 | 4.250 | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 2.875 | 3.000 | 3.250 | APR | 3.900 | 3.169 | 3.668 | 2.983 | 3.043 | 3.284 | | >$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 | APR | 4.027 | 3.246 | 3.802 | 3.203 | 3.411 | 3.536 | | Jumbo | 4.000 | 3.500 | ------ | ------ | 3.375 | 3.375 | APR | 4.024 | 3.539 | ------ | ------ | 3.401 | 3.416 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 4.125 | 4.125 | APR | 4.265 | 3.563 | 4.078 | 3.519 | 4.163 | 4.160 | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 | >$417K | 4.250 | 4.000 | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 4.875 | 4.750 | >$417K | 4.375 | 4.000 | ------ | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.000 | 3.250 | APR | 3.796 | 3.081 | 3.638 | 2.929 | 3.039 | 3.273 | | >$417K | 4.125 | 3.500 | ------ | ------ | 3.375 | 3.375 | APR | 4.091 | 3.533 | ------ | ------ | 3.376 | 3.391 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 4.000 | 4.000 | APR | 4.161 | 3.527 | 4.050 | 3.467 | 4.037 | 4.040 | 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 |