SUMMARY：今天（07月26日 星期三)開盤時的房貸利率價格和上個工作日相比略微上漲
。目前重新貸款40萬左右的利率，30年固定利率上漲在3.950%，15年固定利率上漲至3.
250%，5/1 ARM上漲在3.375%。購房貸款40萬左右，30年固定的利率上漲在3.875%，
15年固定利率上漲至3.125%，5/1 ARM上漲在3.250%.
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 | 3.950 | 3.250 | 3.750 | 3.125 | 3.375 | 3.500 |
| >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.625 | 3.625 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.875 |
| >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.890 | 3.098 | 3.650 | 3.017 | 3.162 | 3.294 |
| >$417K | 3.950 | 3.125 | 3.875 | 3.125 | 3.375 | 3.375 |
| APR | 3.981 | 3.202 | 3.882 | 3.237 | 3.415 | 3.413 |
| Jumbo | 4.000 | 3.375 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 4.002 | 3.450 | 4.151 | ------ | 3.391 | 3.389 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 4.000 | 3.500 | 3.500 | 3.750 |
| APR | 4.276 | 3.599 | 4.064 | 3.617 | 3.537 | 3.787 |
| ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 4.000 |
| >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | 4.500 |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 |
| APR | 3.796 | 3.063 | 3.642 | 2.966 | 3.144 | 3.295 |
| >$417K | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.375 |
| APR | 3.977 | 3.512 | 4.122 | ------ | 3.366 | 3.364 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.500 | 4.000 | 3.500 | 3.500 | 3.750 |
| APR | 4.172 | 3.564 | 4.036 | 3.566 | 3.557 | 3.808 |
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
