SUMMARY：今天（12月29日 星期四)開盤時的房貸利率價格和上個工作日相比趨於持平
。目前重新貸款40萬左右的利率，30年固定利率穩定在4.125%，15年固定利率穩定至
3.375%，5/1 ARM穩定在3.500%。購房貸款40萬左右，30年固定的利率穩定在3.990%，
15年固定利率穩定在3.250%，5/1 ARM降低至2.990%.
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 ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.750 |
| >$417K | 4.250 | 3.625 | 4.125 | 4.000 | 3.750 | 4.000 |
| Jumbo | 4.375 | 3.875 | ------ | ------ | 3.625 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.875 | 3.990 |
| >$417K | 4.500 | 4.375 | 4.125 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 4.045 | 3.276 | 3.808 | 3.258 | 3.039 | 3.409 |
| >$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 |
| APR | 4.145 | 3.529 | 4.039 | 3.455 | 3.539 | 3.785 |
| Jumbo | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.257 | 3.685 | ------ | ------ | 3.414 | 3.660 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 |
| APR | 4.422 | 3.725 | 4.251 | 3.769 | 4.180 | 4.305 |
| ******************************* 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 | 4.250 | 3.500 | 4.000 | 3.500 | 3.875 | 3.990 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | 4.500 |
| >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.990 | 3.250 | 3.750 | 3.125 | 2.990 | 3.375 |
| APR | 4.038 | 3.241 | 3.807 | 3.255 | 3.032 | 3.402 |
| >$417K | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.254 | 3.744 | ------ | ------ | 3.388 | 3.638 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 |
| APR | 4.308 | 3.689 | 4.250 | 3.717 | 4.172 | 4.298 |
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
