SUMMARY：今天（05月12日星期四)開盤時的房貸利率價格和昨日相比稍差。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
穩定在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上升至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 3.700 2.990 3.500 2.875 3.000 3.375
Jumbo 4.000 3.500 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 3.375 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 3.375 2.625 2.750 2.875
APR 3.501 2.699 3.367 2.707 2.800 2.906
>$417K 3.625 2.875 3.375 2.750 2.875 3.125
APR 3.634 2.899 3.431 2.859 2.901 3.172
Jumbo 3.875 3.375 3.750 ----- 2.750 3.125
APR 3.904 3.444 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 4.000 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 3.875 3.250 3.625 3.250 3.625 3.750
>$417K 4.375 4.000 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 2.750 2.875
APR 3.404 2.695 3.306 2.571 2.798 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 3.875 3.250 3.625 3.250 3.625 3.750
>$417K 4.750 ------ ------ ------ 3.750 4.125
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.375 3.750 3.500 ------ 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 2.750 2.875 3.125
APR 3.508 2.760 3.323 2.556 2.921 3.155
>$417K 4.000 3.500 3.875 ------ 2.875 3.250
APR 3.988 3.533 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 3.250 3.625 3.250 2.875 3.250
APR 3.902 3.336 3.649 3.389 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
