SUMMARY:今天(04月20日 星期四)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年固定利率上升到3.950%,15年固定利率下降到3. 250%,5/1 ARM穩定在3.125%。購房貸款40萬左右,30年固定的利率穩定在3.750%, 15年固定利率穩定在3.000%,5/1 ARM上升到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 | 3.950 | 3.250 | 3.625 | 3.125 | 3.125 | 3.375 | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.625 | Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.000 | 3.250 | APR | 3.806 | 3.080 | 3.546 | 3.037 | 3.034 | 3.274 | | >$417K | 4.000 | 3.125 | 3.875 | 3.125 | 3.250 | 3.500 | APR | 4.029 | 3.208 | 3.890 | 3.242 | 3.279 | 3.531 | | Jumbo | 4.000 | 3.375 | 4.125 | ------ | 3.375 | 3.500 | APR | 4.016 | 3.449 | 4.147 | ------ | 3.410 | 3.507 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.750 | APR | 4.182 | 3.563 | 3.980 | 3.492 | 3.657 | 3.782 | ******************************* 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 | 3.750 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 3.875 | 4.375 | ------ | 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 | 3.875 | 3.500 | 4.125 | 4.125 | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | APR | 3.775 | 3.045 | 3.531 | 2.971 | 3.034 | 3.275 | | >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.500 | APR | 4.004 | 3.506 | 4.116 | ------ | 3.384 | 3.481 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.625 | 3.750 | APR | 4.151 | 3.475 | 3.933 | 3.440 | 3.672 | 3.798 | 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 |