SUMMARY：今天（4月29日星期五)開盤時的房貸利率價格和昨日相比持平。目前重新貸
款40萬左右的利率，30年固定利率穩定在3.625%，15 年固定下降為2.750%，5/1 ARM仍
為3.000%。購房貸款40萬左右，30年固定的利率下降為3.500%，15年固定穩定在2.750%，
5/1 ARM穩定在2.750%
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 3.500 2.750 3.000 3.250
>$417K 3.750 3.000 3.625 3.000 3.125 3.500
Jumbo 4.125 3.625 4.000 ------ 3.000 3.375
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 3.250 3.500
>$417K 4.125 3.625 4.125 ------ 3.125 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.750 2.875
APR 3.512 2.735 3.405 2.657 2.791 2.925
>$417K 3.625 2.875 3.500 2.875 3.000 3.250
APR 3.669 2.938 3.523 2.949 3.027 3.297
Jumbo 4.000 3.375 3.875 ----- 2.875 3.250
APR 4.026 3.444 3.930 ----- 2.907 3.273
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 3.625 3.875
APR 3.803 3.164 3.698 3.083 3.672 3.901
******************************** 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 2.750 3.250 3.500
>$417K 4.500 4.000 4.500 ----- 3.375 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 3.875 3.875
>$417K 4.500 4.000 4.500 ------ 3.375 3.625
--
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.375 2.500 2.750 2.875
APR 3.425 2.713 3.367 2.613 2.771 2.923
>$417K 4.000 3.500 4.000 ------ 3.000 3.125
APR 4.000 3.513 4.025 ------ 3.012 3.132
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 3.000 3.000 3.375
APR 3.770 3.071 3.667 3.025 3.046 3.412
******************************** FLORIDA ********************************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest
Area only. 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 3.875 3.250 3.625 3.000 3.875 3.875
>$417K 4.875 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.250 ------ 4.375
>$417K 4.875 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.500 2.750 3.125
APR 3.546 2.808 3.391 2.606 2.789 3.161
>$417K 4.000 3.500 4.000 ------ 3.000 3.125
APR 4.005 3.522 4.026 ------ 3.013 3.137
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 3.000 3.375
APR 3.930 3.327 3.699 3.138 3.046 3.412
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
