SUMMARY:今天(05月18日星期三)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年固定利率上涨为3.625%,15年固定维持为2.750%,5/1 ARM 上升为3.125%。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上升为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 3.625 2.750 3.500 2.750 3.125 3.375 >$417K 3.700 3.000 3.625 3.000 3.125 3.500 Jumbo 4.000 3.500 3.875 ------ 3.000 3.375 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 2.875 3.250 3.500 >$417K 4.125 3.500 4.125 ------ 3.125 3.500 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 2.875 2.875 APR 3.512 2.753 3.393 2.654 2.900 2.925 >$417K 3.625 2.875 3.500 2.875 3.000 3.250 APR 3.659 2.931 3.543 2.950 3.027 3.297 Jumbo 3.875 3.375 3.750 ----- 2.875 3.250 APR 3.904 3.444 3.804 ----- 2.907 3.273 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 3.250 APR 3.803 3.182 3.698 3.109 3.036 3.306
******************************** 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 2.875 3.250 3.625 >$417K 4.375 4.000 4.375 ----- 3.375 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 3.875 3.875 >$417K 4.375 4.000 4.375 ------ 3.375 3.625 -- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.500 2.750 2.875 APR 3.425 2.713 3.324 2.613 2.785 2.923 >$417K 4.000 3.500 3.875 ------ 3.000 3.250 APR 4.008 3.532 3.900 ------ 3.012 3.248 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 3.000 3.375 APR 3.770 3.089 3.667 3.051 3.046 3.412
******************************** 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 3.625 3.000 3.875 3.875 >$417K 4.750 ------ ------ ------ 4.000 4.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.375 3.750 3.125 3.875 4.250 >$417K 4.750 ------ ------ ------ 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 2.875 3.125 APR 3.541 2.799 3.381 2.606 2.899 3.178 >$417K 4.000 3.500 3.875 ------ 3.000 3.250 APR 4.008 3.533 3.901 ------ 3.013 3.252 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.250 3.625 3.000 3.000 3.375 APR 3.929 3.328 3.693 3.120 3.046 3.412
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
|