SUMMARY:今天(4月29日星期五)开盘时的房贷利率价格和昨日相比持平。目前重新贷 款40万左右的利率,30年固定利率稳定在3.625%,15 年固定下降为2.750%,5/1 ARM仍 为3.000%。购房贷款40万左右,30年固定的利率下降为3.500%,15年固定稳定在2.750%, 5/1 ARM稳定在2.750%
注:除非特别说明,以下列出的利率都是基于本帖底部的贷款参数,并且是带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 3.625 2.750 3.500 2.750 3.000 3.250 >$417K 3.750 3.000 3.625 3.000 3.125 3.500 Jumbo 4.125 3.625 4.000 ------ 3.000 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.875 3.500 2.875 3.250 3.500 >$417K 4.125 3.625 4.125 ------ 3.125 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.625 2.750 2.875 APR 3.512 2.735 3.405 2.657 2.791 2.925 >$417K 3.625 2.875 3.500 2.875 3.000 3.250 APR 3.669 2.938 3.523 2.949 3.027 3.297 Jumbo 4.000 3.375 3.875 ----- 2.875 3.250 APR 4.026 3.444 3.930 ----- 2.907 3.273 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 3.625 3.875 APR 3.803 3.164 3.698 3.083 3.672 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 3.625 2.875 3.500 2.750 3.250 3.500 >$417K 4.500 4.000 4.500 ----- 3.375 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 3.875 3.875 >$417K 4.500 4.000 4.500 ------ 3.375 3.625 -- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.375 2.500 2.750 2.875 APR 3.425 2.713 3.367 2.613 2.771 2.923 >$417K 4.000 3.500 4.000 ------ 3.000 3.125 APR 4.000 3.513 4.025 ------ 3.012 3.132 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.625 3.000 3.000 3.375 APR 3.770 3.071 3.667 3.025 3.046 3.412
******************************** 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 3.875 3.250 3.625 3.000 3.875 3.875 >$417K 4.875 ------ ------ ------ 4.000 4.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.375 3.750 3.250 ------ 4.375 >$417K 4.875 ------ ------ ------ 4.000 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.500 2.750 3.125 APR 3.546 2.808 3.391 2.606 2.789 3.161 >$417K 4.000 3.500 4.000 ------ 3.000 3.125 APR 4.005 3.522 4.026 ------ 3.013 3.137 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.250 3.625 3.000 3.000 3.375 APR 3.930 3.327 3.699 3.138 3.046 3.412
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:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款 ,需要收point才能做。
方圆贷款NMLS ID: 231959
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