SUMMARY:今天(06月06日星期一)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3.500%,15年固定利率稳定在2.750%,5/1 ARM稳定在2.875%。购房贷款40万左右,30年固定的利率稳定为3.500%,15年固定稳定 为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 3.500 2.750 3.500 2.750 2.875 3.250 >$417K 3.625 2.990 4.125 3.625 3.375 3.625 Jumbo 4.250 3.625 ----- ------ 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 2.875 3.500 2.750 3.125 3.375 >$417K 4.250 3.625 3.875 ------ ----- 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 2.625 2.750 3.000 APR 3.484 2.722 3.309 2.767 2.770 3.042 >$417K 3.550 2.875 3.375 2.750 3.250 3.375 APR 3.597 2.905 3.410 2.799 3.281 3.405 Jumbo 4.125 3.500 ----- ----- 3.375 3.375 APR 4.136 3.541 ----- ----- 3.405 3.395 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 3.000 3.375 APR 3.795 3.187 3.674 3.090 3.040 3.378 ******************************** 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 3.125 3.375 >$417K ----- ------ ------ ----- 3.625 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.625 3.000 3.750 3.750 >$417K ----- ------ ------ ------- 2.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.375 2.625 2.875 3.000 APR 3.420 2.687 3.380 2.716 2.919 3.054 >$417K 3.625 3.625 ----- ------ 2.625 3.000 APR 3.581 3.620 ----- ------ 3.138 2.958 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 3.500 3.750 APR 3.765 3.081 3.646 3.039 3.527 3.766 ******************************** 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 3.250 3.875 3.750 >$417K ----- ------ ------ ------ 2.625 ------- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.375 3.875 3.125 ------ 4.125 >$417K ------ ------ ------ ------ 2.625 ------- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.750 2.990 3.125 APR 3.515 2.773 3.397 2.823 3.042 3.163 >$417K 4.125 4.125 ----- ------ 3.250 3.000 APR ------ 4.127 ----- ------ ------ ------- INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.950 3.250 3.750 3.375 3.500 3.750 APR 4.003 3.301 3.802 3.482 3.546 3.786 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 |