SUMMARY：今天（07月28日 星期四)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年固定的利率下降至3.250%，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 3.250 2.625 3.000 3.250
>$417K 3.625 2.750 3.375 2.875 3.250 3.500
Jumbo 4.000 3.500 ----- ------ 3.375 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 3.250 3.375
>$417K 4.125 3.375 3.875 ------ ----- 4.250
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 2.750
APR 3.288 2.677 3.192 2.519 2.679 2.804
>$417K 3.500 2.750 3.500 2.750 3.250 3.375
APR 3.533 2.765 3.491 2.793 3.282 3.408
Jumbo 3.875 3.250 ----- ----- 3.125 3.125
APR 3.901 3.322 ----- ----- 3.161 3.143
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 3.750
APR 3.670 3.062 3.563 3.017 3.788 3.790
******************************** 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 2.750 3.375 2.750 3.250 3.500
>$417K 4.625 ----- ------ ----- 2.625 -----
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 3.750 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 2.500 3.125 2.500 2.625 2.750
APR 3.295 2.587 3.181 2.480 2.668 2.793
>$417K 3.375 3.375 ----- ------ 2.625 3.000
APR 3.332 3.397 ----- ------ 3.609 2.958
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 3.750
APR 3.640 3.027 3.535 2.966 3.766 3.768
******************************** 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 3.000 3.500 2.875 3.750 3.750
>$417K ----- ------ ------ ------ 3.625 -----
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 ----- 4.125
>$417K ----- ------ ------ ------ 3.750 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.500 3.250 2.500 2.875 3.125
APR 3.385 2.582 3.232 2.473 2.898 3.153
>$417K 3.875 3.375 ----- ------ 3.000 3.000
APR 3.880 3.406 ----- ------ 3.006 3.005
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.500 2.875 3.750 3.750
APR 3.781 3.171 3.569 2.983 3.786 3.788
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
