SUMMARY：今天（07月26日 星期二)開盤時的房貸利率價格和上個工作日相比持平。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穩定至3.000%。購房貸款40萬左右，30年固定的利率穩定至3.375%，15年固定
利率穩定在2.625%，5/1 ARM穩定在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 3.375 2.625 3.000 3.250
>$417K 3.625 2.875 3.500 3.000 3.500 3.625
Jumbo 4.125 3.625 ----- ------ 3.375 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.375 3.500
>$417K 4.125 3.625 4.250 ------ ----- 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.625 2.750
APR 3.379 2.697 3.265 2.560 2.677 2.803
>$417K 3.550 2.750 3.375 2.875 3.250 3.375
APR 3.592 2.793 3.435 2.928 3.290 3.412
Jumbo 3.875 3.375 ----- ----- 3.250 3.125
APR 3.917 3.429 ----- ----- 3.273 3.158
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 3.000 3.875 3.875
APR 3.680 3.080 3.577 3.037 3.903 3.901
******************************** 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 3.375 3.500
>$417K ----- ----- ------ ----- 3.375 -----
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 2.875 3.750 3.750
>$417K 4.625 ----- ------ ------- 3.500 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.625 3.250 2.500 2.625 2.750
APR 3.305 2.696 3.257 2.521 2.678 2.803
>$417K 3.875 3.500 ----- ------ 3.000 3.125
APR 3.891 3.505 ----- ------ 3.012 3.114
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 3.750 3.875
APR 3.650 3.045 3.549 2.992 3.787 3.880
******************************** 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 3.625 2.875 3.750 3.750
>$417K ----- ------ ------ ------ 3.750 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 ----- 4.250
>$417K ----- ------ ------ ------ 3.750 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.875 3.125
APR 3.417 2.702 3.280 2.514 2.918 3.162
>$417K 3.875 3.500 ----- ------ 3.000 3.125
APR 3.895 3.513 ----- ------ 3.016 3.118
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 3.875 3.875
APR 3.898 3.200 3.664 3.069 3.901 3.899
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
