SUMMARY:今天(06月30日星期四)开盘时的房贷利率价格和上个工作日相比稍好。目前 重新贷款40万左右的利率,30年固定利率稳定在3.375%,15年固定利率稳定在2.750%, 5/1 ARM上升为3.000%。购房贷款40万左右,30年固定的利率稳定为3.375%,15年固定 稳定为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 3.375 2.750 3.250 2.500 2.750 3.000 >$417K 3.550 2.875 ----- ----- 3.500 3.500 Jumbo 4.000 3.500 ----- ------ 3.250 3.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.750 3.375 2.625 3.500 3.500 >$417K 3.950 3.375 ----- ------ ----- ----- 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 3.365 2.679 3.238 2.487 3.789 2.918 >$417K 3.450 2.750 3.750 ----- 3.250 3.375 APR 3.497 2.774 3.768 ----- 3.293 3.419 Jumbo 3.875 3.375 ----- ----- 3.125 3.125 APR 3.909 3.424 ----- ----- 3.153 3.144 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.875 ----- 3.990 APR 3.670 3.062 3.563 2.998 ----- 4.041
******************************** 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 3.500 2.750 3.375 2.625 3.500 3.500 >$417K ----- ----- ------ ----- 3.375 3.875 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.125 3.500 2.875 3.750 3.750 >$417K 4.625 ----- ------ ------- 3.375 -----
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.500 3.250 2.500 2.750 2.875 APR 3.295 2.591 3.234 2.449 2.788 2.919 >$417K 3.875 3.500 ----- ------ 2.875 3.000 APR 3.883 3.498 ----- ------ 2.887 3.003 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.875 3.875 3.875 APR 3.640 3.027 3.535 2.958 3.922 3.914
******************************** 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 3.750 3.000 3.500 2.750 3.875 3.750 >$417K ----- ------ ------ ------ 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 ----- 4.250 >$417K ----- ------ ------ ------ 3.625 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.500 3.250 2.500 2.990 3.125 APR 3.385 2.586 3.223 2.442 3.037 3.165 >$417K 3.875 3.500 ----- ------ 2.875 3.000 APR 3.888 3.506 ----- ------ 2.891 3.007 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.500 2.875 ----- 3.875 APR 3.790 3.180 3.572 2.951 ----- 3.927
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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