SUMMARY：今天（06月24日星期五)開盤時的房貸利率價格和上個工作日相比稍好。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穩定在2.750%。購房貸款40萬左右，30年固定的利率穩定為3.375%，15年固定
穩定為2.625%，5/1 ARM穩定為2.625%.
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 3.250 2.625 2.750 3.125
>$417K 3.750 3.000 3.500 2.875 3.250 3.375
Jumbo 4.125 3.500 ----- ------ 3.000 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.875 3.125 3.250
>$417K 4.125 3.500 3.875 ------ 4.000 4.125
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.625 2.875
APR 3.405 2.697 3.195 2.598 2.652 2.918
>$417K 3.500 2.875 3.375 2.750 3.000 3.375
APR 3.591 2.955 3.423 2.766 3.030 3.411
Jumbo 4.000 3.375 ----- ----- 3.000 3.125
APR 4.010 3.435 ----- ----- 3.037 3.147
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 3.375 3.625
APR 3.785 3.098 3.631 3.064 3.406 3.663
******************************** 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 3.500 2.875 3.375 2.750 3.000 3.250
>$417K ----- ----- ------ ----- 3.500 3.750
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 3.000 3.750 3.750
>$417K 4.625 ----- ------ ------- 3.625 3.875
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.125 2.500 2.500 2.875
APR 3.410 2.696 3.166 2.491 2.538 2.901
>$417K 4.000 3.500 ----- ------ 2.875 3.000
APR 3.992 3.494 ----- ------ 2.877 3.007
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.750
APR 3.660 3.063 3.563 3.019 3.397 3.772
******************************** 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 3.750 3.125 3.500 3.000 3.625 3.625
>$417K 4.875 ------ ------ ------ 3.625 4.250
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 3.125 3.750 4.125
>$417K ------ ------ ------ ------ 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 3.125 2.500 2.750 2.875
APR 3.537 2.767 3.193 2.557 2.650 2.915
>$417K 4.000 3.500 ----- ------ 2.875 3.000
APR 4.007 3.502 ----- ------ 2.882 3..011
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 3.375 3.625
APR 3.911 3.338 3.649 3.104 3.404 3.661
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
