SUMMARY:今天(06月14日 星期三)开盘时的房贷利率价格和上个工作日相比略微下降 。目前重新贷款40万左右的利率,30年固定利率稳定在3.875%,15年固定利率下降在3. 125%,5/1 ARM稳定在3.125%。购房贷款40万左右,30年固定的利率稳定在3.750%, 15年固定利率稳定在2.990%,5/1 ARM下降到2.875%.
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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.375 | >$417K | 3.950 | 3.250 | 3.750 | 3.250 | 3.500 | 3.500 | Jumbo | 3.875 | 3.625 | ------ | ------ | 3.375 | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.250 | 3.375 | 3.625 | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.500 | 2.875 | 2.875 | 3.125 | APR | 3.766 | 3.031 | 3.534 | 2.991 | 2.918 | 3.179 | | >$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 | APR | 3.789 | 3.151 | 3.663 | 3.113 | 3.285 | 3.394 | | Jumbo | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.375 | APR | 3.879 | 3.539 | ------ | ------ | 3.279 | 3.380 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.375 | 3.875 | 3.875 | APR | 4.161 | 3.553 | 3.949 | 3.492 | 3.914 | 3.927 | ******************************* 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 | 3.990 | 3.250 | 3.750 | 3.250 | 3.375 | 3.750 | >$417K | 4.625 | ------ | ------ | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 3.990 | >$417K | ------ | ------ | ------ | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 2.875 | 3.125 | APR | 3.671 | 2.973 | 3.524 | 2.940 | 2.898 | 3.174 | | >$417K | 3.875 | 3.500 | ------ | ------ | 3.250 | 3.375 | APR | 3.853 | 3.529 | ------ | ------ | 3.253 | 3.355 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.750 | 3.875 | APR | 4.057 | 3.475 | 3.939 | 3.395 | 3.787 | 3.920 | 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 |