SUMMARY：今天（05月24日星期二)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年固定利率穩定為3.625%，15年固定維持為2.750%，5/1 ARM
穩定為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 3.750 3.000 3.500 3.000 3.375 3.625
Jumbo 4.250 3.750 3.875 ------ 3.625 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.750 3.375 3.625
>$417K 4.125 3.500 4.250 ------ 3.250 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 2.500 2.875 3.000
APR 3.522 2.753 3.433 2.680 2.912 3.051
>$417K 3.700 2.990 3.500 2.875 3.375 3.625
APR 3.724 3.070 3.550 2.943 3.417 3.646
Jumbo 4.125 3.500 3.750 ----- 3.375 3.375
APR 4.145 3.564 3.804 ----- 3.409 3.405
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 3.000 3.375
APR 3.887 3.200 3.670 3.135 3.120 3.385
******************************** 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 3.000 3.500 2.750 3.375 3.625
>$417K 4.500 4.125 4.500 ----- 3.625 3.875
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 4.000 4.500 ------ 3.500 3.625
--
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 3.000
APR 3.489 2.713 3.399 2.669 2.892 3.037
>$417K 4.125 3.625 3.875 ------ 3.250 3.375
APR 4.118 3.642 3.900 ------ 3.254 3.359
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 3.750 3.875
APR 3.780 3.160 3.681 3.077 3.773 3.897
******************************** 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 3.990 3.250 3.750 3.000 3.750 40125
>$417K 4.875 ------ ------ ----- 4.125 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.875 3.250 ----- 4.375
>$417K 4.750 ------ ------ ------ 4.125 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.750 3.375 2.625 2.875 3.250
APR 3.628 2.817 3.426 2.663 2.911 3.274
>$417K 4.125 3.625 3.875 ------ 3.250 3.375
APR 4.123 3.650 3.901 ------ 3.258 3.364
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.125 3.750 3.875
APR 4.044 3.440 3.819 3.190 3.793 3.923
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
