SUMMARY:今天(05月16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年固定利率维持在3.500%,15年固定维持为2.750%,5/1 ARM 稳定在2.875%。购房贷款40万左右,30年固定的利率维持为3.500%,15年固定下降为2. 625%,5/1 ARM上升为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 3.375 2.625 2.875 3.250 >$417K 3.625 2.875 3.500 2.875 3.000 3.375 Jumbo 4.000 3.500 3.875 ------ 2.875 3.250 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 4.125 3.375 4.000 ------ 3.000 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.625 3.250 2.500 2.750 2.875 APR 3.491 2.717 3.377 2.600 2.785 2.906 >$417K 3.625 2.875 3.500 2.750 2.875 3.625 APR 3.659 2.895 3.501 2.849 2.287 3.661 Jumbo 3.875 3.375 3.750 ----- 2.750 3.250 APR 3.904 3.420 3.804 ----- 2.782 3.278 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.250 3.625 3.000 2.875 3.125 APR 3.782 3.307 3.675 3.114 2.910 3.181
******************************** 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 3.500 >$417K 4.375 4.000 4.375 ----- 3.250 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 3.750 3.750 >$417K 4.375 4.000 4.375 ------ 3.250 3.500 -- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.250 2.500 2.750 2.875 APR 3.404 2.677 3.319 2.561 2.765 2.904 >$417K 4.000 3.500 3.875 ------ 2.875 3.125 APR 4.004 3.492 3.900 ------ 2.887 3.134 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.625 2.875 2.875 3.250 APR 3.749 3.035 3.638 2.978 2.920 3.286
******************************** 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 3.125 3.500 3.250 3.625 3.750 >$417K 4.750 ------ ------ ------ 3.750 4.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.950 3.375 3.750 3.125 ------ 4.125 >$417K 4.750 ------ ------ ------ 3.875 4.125 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.250 2.500 2.750 3.125 APR 3.516 2.763 3.316 2.554 2.783 3.158 >$417K 4.000 3.500 3.875 ------ 2.875 3.125 APR 4.008 3.518 3.901 ------ 2.888 3.139 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 2.875 3.250 APR 3.908 3.221 3.662 3.067 2.921 3.287
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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