SUMMARY:今天(07月12日星期二)开盘时的房贷利率价格和上个工作日相比稍差。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上升至3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定 利率稳定在2.625%,5/1 ARM稳定至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 3.000 3.250 >$417K 3.625 2.750 3.500 2.875 3.500 3.625 Jumbo 4.000 3.375 ----- ------ 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 3.250 3.500 >$417K 3.990 3.375 3.875 ------ ----- 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.250 2.625 3.125 2.500 2.750 2.875 APR 3.304 2.663 3.181 2.456 2.789 2.918 >$417K 3.500 2.750 3.375 2.750 3.375 3.625 APR 3.516 2.722 3.400 2.805 3.399 3.648 Jumbo 4.000 3.250 ----- ----- 3.125 3.000 APR 4.024 3.297 ----- ----- 3.150 3.036 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 3.750 3.750 APR 3.670 3.062 3.563 2.966 3.787 3.801
******************************** 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 3.250 3.500 >$417K 4.625 ----- ------ ----- 3.375 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 2.750 ----- 3.875 >$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 3.289 2.583 3.181 2.418 2.781 2.919 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.881 3.373 ----- ------ 2.889 2.992 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 3.750 3.750 APR 3.650 3.045 3.549 2.927 3.765 3.780
******************************** 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 3.625 2.875 3.500 2.750 ----- 3.875 >$417K ----- ------ ------ ------ 3.625 ----- 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 2.875 ----- 4.375 >$417K ----- ------ ------ ------ 3.625 ----- 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 3.125 APR 3.286 2.579 3.197 2.411 2.800 3.166 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.886 3.381 ----- ------ 2.893 2.996 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.500 2.875 3.750 3.750 APR 3.764 3.059 3.545 2.920 3.785 3.799
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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