SUMMARY:今天(07月05日 星期三)开盘时的房贷利率价格和上个工作日相比略微上涨 。目前重新贷款40万左右的利率,30年固定利率上涨至4.000%,15年固定利率稳定在3. 25%,5/1 ARM上升至3.625%。购房贷款40万左右,30年固定的利率稳定在3.875%, 15年固定利率稳定在3.125%,5/1 ARM稳定在3.125%. 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 | 4.000 | 3.250 | 3.750 | 3.125 | 3.625 | 3.500 | >$417K | 4.125 | 3.375 | 4.125 | 3.375 | 3.625 | 3.750 | Jumbo | 4.125 | 3.750 | 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.750 | 3.990 | >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.000 | 3.125 | 3.250 | APR | 3.900 | 3.169 | 3.756 | 3.090 | 3.179 | 3.304 | | >$417K | 3.950 | 3.250 | 3.875 | 3.250 | 3.500 | 3.500 | APR | 3.995 | 3.270 | 3.919 | 3.267 | 3.524 | 3.544 | | Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.035 | 3.694 | 4.276 | ------ | 3.418 | 3.520 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.000 | 3.500 | 3.500 | 3.750 | APR | 4.286 | 3.669 | 4.078 | 3.591 | 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 | 3.375 | 3.875 | 3.250 | 3.875 | 4.125 | >$417K | 4.750 | 4.125 | 4.500 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.750 | ------ | 4.750 | >$417K | 4.750 | 4.125 | 4.500 | ------ | 3.750 | 3.750 | | 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 | 3.806 | 3.081 | 3.689 | 3.019 | 3.179 | 3.305 | | >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.500 | APR | 4.009 | 3.747 | 4.247 | ------ | 3.393 | 3.495 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.182 | 3.582 | 4.050 | 3.493 | 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 |