SUMMARY：今天（02月02日 星期四)開盤時的房貸利率價格和上個工作日相比趨於穩定
。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年固定利率穩定在3.
250%，5/1 ARM穩定在3.250%。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下降在3.000%.
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 ******************************* 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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.250 | 3.500 |
| >$417K | 4.300 | 3.375 | 4.125 | 3.625 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 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 | 3.875 | 3.125 | 3.000 | 3.250 |
| APR | 4.037 | 3.204 | 3.890 | 3.228 | 3.053 | 3.289 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.500 | 3.625 |
| APR | 4.165 | 3.313 | 4.024 | 3.366 | 3.531 | 3.655 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.145 | 3.642 | ------ | ------ | 3.413 | 3.642 |
| 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 | 3.875 | 3.990 |
| APR | 4.411 | 3.688 | 4.271 | 3.716 | 3.928 | 4.019 |
| ******************************* 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 |
| >$417K | 4.500 | 4.000 | ------ | ------ | 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 | ------ | 3.990 |
| >$417K | 4.500 | 4.250 | ------ | ------ | 4.000 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.875 | 3.125 | 3.000 | 3.250 |
| APR | 3.932 | 3.206 | 3.866 | 3.188 | 3.033 | 3.282 |
| >$417K | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 |
| APR | 4.141 | 3.636 | ------ | ------ | 3.387 | 3.631 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 |
| APR | 4.297 | 3.582 | 4.190 | 3.619 | 3.907 | 4.011 |
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
