SUMMARY：今天（06月02日星期四)開盤時的房貸利率價格和昨日相比稍好。目前重新貸
款40萬左右的利率，30年固定利率穩定在3.500%，15年固定利率穩定在2.750%，5/1
ARM上升至3.125%。購房貸款40萬左右，30年固定的利率穩定為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 3.500 2.750 3.500 2.750 3.125 3.375
>$417K 3.700 3.000 3.500 3.000 3.625 3.625
Jumbo 4.250 3.750 ----- ------ 3.375 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 2.875 3.250 3.625
>$417K 4.2125 3.500 4.250 ------ ----- 4.375
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 2.875 3.125
APR 3.504 2.758 3.405 2.687 2.900 3.172
>$417K 3.625 2.875 3.500 2.750 3.375 3.625
APR 3.665 2.953 3.504 2.860 3.404 3.540
Jumbo 4.125 3.500 ----- ----- 3.375 3.375
APR 4.146 3.559 ----- ----- 3.412 3.405
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.375 3.625 3.000 3.750 3.875
APR 3.900 3.223 3.702 3.143 3.779 3.910
******************************** 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 3.125 3.500 2.875 3.250 3.500
>$417K ----- ------ ------ ----- 3.625 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 ------ 3.990
>$417K ----- ------ ------ ------- 3.750 -----
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 3.475 2.723 3.375 2.645 2.785 3.145
>$417K 4.125 3.625 ----- ------ 3.250 3.375
APR 4.119 3.637 ----- ------ 3.257 3.360
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 3.786 3.188 3.674 3.091 3.662 3.883
******************************** 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 3.750 3.000 ----- 3.990
>$417K 4.625 ------ ------ ----- ----- -----
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 4.875 ------ ------ ------ 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 2.875 3.125
APR 3.547 2.821 3.402 2.638 2.899 3.171
>$417K 4.125 3.625 ----- ------ 3.250 3.375
APR 4.124 3.645 ----- ------ 3.261 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 4.022 3.425 3.789 3.202 3.778 3.909
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
