SUMMARY：今天（06月03日星期五)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下降至2.875%。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下降為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 3.750 3.000 3.500 2.875 3.375 3.625
Jumbo 4.375 3.625 ----- ------ 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 2.875 3.500 2.750 3.125 3.375
>$417K 4.250 3.625 3.875 ------ ----- 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.250 2.500 2.750 3.000
APR 3.484 2.722 3.309 2.614 2.777 3.042
>$417K 3.550 2.875 3.375 2.750 3.250 3.375
APR 3.597 2.905 3.410 2.799 3.281 3.405
Jumbo 4.125 3.500 ----- ----- 3.375 3.375
APR 4.136 3.541 ----- ----- 3.405 3.395
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 3.500 3.750
APR 3.795 3.187 3.674 3.090 3.548 3.788
******************************** 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 3.125 3.375
>$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 3.125 3.625 3.000 3.750 3.750
>$417K ----- ------ ------ ------- 2.625 -----
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 2.625 2.990
APR 3.420 2.687 3.280 2.575 2.662 3.024
>$417K 3.625 3.625 ----- ------ 2.625 3.000
APR 3.581 3.620 ----- ------ 3.138 2.958
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 3.500 3.750
APR 3.765 3.081 3.646 3.039 3.527 3.766
******************************** 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 3.125 3.625 2.875 3.750 3.750
>$417K ----- ------ ------ ----- 2.625 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.375 3.750 3.125 ----- 4.125
>$417K ----- ------ ------ ------ 2.625 -----
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 3.000
APR 3.515 2.773 3.307 2.568 2.776 3.043
>$417K 4.125 3.625 ----- ------ 3.250 3.000
APR ------ 3.628 ----- ------ ------ ------
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.375 3.000 3.500 3.750
APR 3.903 3.301 3.367 3.081 3.546 3.786
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
