SUMMARY:今天(06月01日星期三)开盘时的房贷利率价格和昨日相比稍好。目前重新贷 款40万左右的利率,30年固定利率下降至3.500%,15年固定利率下降至2.750%,5/1 ARM下降至3.000%。购房贷款40万左右,30年固定的利率维持为3.500%,15年固定稳定 为2.750%,5/1 ARM下降为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 3.500 2.750 3.500 2.750 3.000 3.375 >$417K 3.700 3.000 3.500 3.000 3.500 3.625 Jumbo 4.250 3.750 ----- ------ 3.625 3.500 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 3.250 3.500 >$417K 4.125 3.500 4.250 ------ ----- 4.375 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 3.125 APR 3.504 2.758 3.402 2.682 2.800 3.167 >$417K 3.625 2.875 3.500 2.875 3.375 3.500 APR 3.652 2.950 3.503 2.925 3.399 3.534 Jumbo 4.125 3.500 ----- ----- 3.375 3.375 APR 4.142 3.555 ----- ----- 3.407 3.400 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.000 3.625 3.875 APR 3.900 3.223 3.702 3.143 3.678 3.905
******************************** 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 3.000 3.500 2.875 3.250 3.500 >$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 4.750 3.875 >$417K ----- ------ ------ ------- 3.625 -----
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 3.475 2.823 3.374 2.641 2.780 3.147 >$417K 4.125 3.625 ----- ------ 3.250 3.250 APR 4.116 3.634 ----- ------ 3.252 3.261 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 3.786 3.188 3.674 3.091 3.657 3.884
******************************** 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 3.750 3.000 ----- 3.875 >$417K 4.625 ------ ------ ----- ----- ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.000 3.500 3.875 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 3.542 2.818 3.395 2.634 2.798 3.166 >$417K 4.125 3.625 ----- ------ 3.250 3.250 APR 4.121 3.642 ----- ------ 3.257 3.266 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.990 3.250 3.750 3.125 3.625 3.875 APR 4.040 3.347 3.783 3.198 3.676 3.904
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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