【方圓貸款利率—CA、TX、FL】05月09日 星期一

SUMMARY：今天（05月09日星期一)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年固定利率維持在3.500%，15年固定維持為2.750%，5/1 ARM
上升為2.875%。購房貸款40萬左右，30年固定的利率維持為3.500%，15年固定穩定在2.
750%，5/1 ARM上升為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    3.500    2.750    3.375    2.625    2.875      3.250
>$417K      3.625    2.875    3.500     2.875    3.000      3.375
Jumbo        4.000    3.375    3.875       ------    2.875     3.250
  
  
                        
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    2.750     3.125        3.375
>$417K      4.125     3.500    4.000      ------     3.000       3.375
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.250    2.500    2.750       2.875
APR           3.501    2.699    3.267    2.610     2.672       2.906
                     
>$417K      3.625    2.875    3.375       2.750     2.875        3.125
APR           3.634    2.899    3.432       2.859     2.901        3.172
                        
Jumbo        3.875     3.250     3.750       -----     2.750       3.125
APR            3.904     3.323     3.804       -----     2.782       3.148
                                                            
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    2.875        3.125
APR           3.792    3.075    3.684    3.030    2.910        3.181




******************************** 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     3.375        3.500
>$417K      4.375     3.875    4.375      -------   3.250       3.500
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  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      3.750
>$417K      4.375     3.875    4.375     ------      3.250      3.500
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.625    3.250    2.500    2.625       2.875
APR           3.404    2.695    3.306    2.571    2.652        2.904
                        
>$417K      4.000    3.375    3.875       ------     2.875       3.125
APR           3.984     3.391    3.900      ------     2.887       3.122
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.750    3.000    3.625    2.875    2.875       3.250
APR           3.760    3.035    3.629    2.978    2.920       3.286



******************************** 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    3.750    3.125    3.625    2.875     3.625        3.750
>$417K      4.750      ------      ------      ------    3.875        3.875 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.950    3.375   3.625     3.125     ------        3.990 
>$417K      4.750     ------      ------     ------     3.875        4.125 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500    2.750    3.250    2.500    2.875        3.125
APR           3.508    2.763    3.308    2.5553    2.921        3.152
                        
>$417K      4.000    3.375    3.875      ------    2.875         3.250
APR           3.988    3.400    3.901      ------     2.888        3.253
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.875    3.125    3.625    3.000    2.875       3.250
APR           3.902    3.220    3.649    3.066    2.921       3.287


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