SUMMARY：今天（07月07日星期四)開盤時的房貸利率價格和上個工作日相比稍差。目前
重新貸款40萬左右的利率，30年固定利率穩定在3.375%，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年固定的利率穩定在3.250%，15年固定
利率上升至2.625%，5/1 ARM上升至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 3.375 2.750 3.250 2.625 2.750 3.125
>$417K 3.500 2.875 ------ ----- 3.125 3.500
Jumbo 4.000 3.375 ----- ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.625 3.000 3.250
>$417K 3.875 3.500 ----- ------ ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.125 2.500 2.625 2.875
APR 3.294 2.686 3.135 2.526 2.657 2.905
>$417K 3.375 2.750 3.250 ----- 3.125 3.375
APR 3.416 2.774 3.279 ----- 3.153 3.394
Jumbo 3.875 3.250 ----- ----- 3.000 3.000
APR 3.904 3.290 ----- ----- 3.034 3.034
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 3.625
APR 3.670 3.044 3.563 2.998 3.406 3.656
******************************** 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 2.750 3.250 2.750 3.000 3.250
>$417K ----- ----- ------ ----- 3.375 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.375 2.875 3.750 3.750
>$417K 4.625 ----- ------ ------- 3.375 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.375 2.625 2.875
APR 3.295 2.591 3.115 2.443 2.637 2.887
>$417K 3.875 3.375 ----- ------ 2.875 3.000
APR 3.883 3.366 ----- ------ 2.878 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.500 2.875 3.375 3.500
APR 3.630 2.955 3.520 2.940 3.394 3.529
******************************** 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 3.700 3.000 3.375 2.875 3.750 3.750
>$417K ----- ------ ------ ------ 3.500 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.500 2.875 ----- 4.125
>$417K ----- ------ ------ ------ 3.625 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.375 2.500 2.875
APR 3.296 2.572 3.163 2.493 2.544 2.893
>$417K 3.875 3.375 ----- ------ 2.875 3.000
APR 3.882 3.374 ----- ------ 2.882 2.983
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 3.125 3.375 2.875 3.375 3.625
APR 3.751 3.176 3.456 2.990 3.404 3.655
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
