SUMMARY：今天（05月18日星期三)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年固定利率上漲為3.625%，15年固定維持為2.750%，5/1 ARM
上升為3.125%。購房貸款40萬左右，30年固定的利率維持為3.500%，15年固定穩定為2.
750%，5/1 ARM上升為2.875%。
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 3.125 3.375
>$417K 3.700 3.000 3.625 3.000 3.125 3.500
Jumbo 4.000 3.500 3.875 ------ 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 3.500 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 2.875 2.875
APR 3.512 2.753 3.393 2.654 2.900 2.925
>$417K 3.625 2.875 3.500 2.875 3.000 3.250
APR 3.659 2.931 3.543 2.950 3.027 3.297
Jumbo 3.875 3.375 3.750 ----- 2.875 3.250
APR 3.904 3.444 3.804 ----- 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 3.000 3.250
APR 3.803 3.182 3.698 3.109 3.036 3.306
******************************** 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 2.875 3.250 3.625
>$417K 4.375 4.000 4.375 ----- 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 4.375 4.000 4.375 ------ 3.375 3.625
--
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.500 2.750 2.875
APR 3.425 2.713 3.324 2.613 2.785 2.923
>$417K 4.000 3.500 3.875 ------ 3.000 3.250
APR 4.008 3.532 3.900 ------ 3.012 3.248
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 3.089 3.667 3.051 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 4.750 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.375 3.750 3.125 3.875 4.250
>$417K 4.750 ------ ------ ------ 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 2.875 3.125
APR 3.541 2.799 3.381 2.606 2.899 3.178
>$417K 4.000 3.500 3.875 ------ 3.000 3.250
APR 4.008 3.533 3.901 ------ 3.013 3.252
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 3.929 3.328 3.693 3.120 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
