SUMMARY:今天(07月14日星期四)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稳定至3.000%。购房贷款40万左右,30年固定的利率上升至3.375%,15年固定 利率上升在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 4.125 3.500 ----- ------ 3.375 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 2.750 3.375 3.625 >$417K 3.990 3.375 4.000 ------ ----- 4.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.375 2.679 3.195 2.506 2.789 2.918 >$417K 3.500 2.750 3.375 2.750 3.375 3.625 APR 3.539 2.756 3.430 2.844 3.414 3.653 Jumbo 3.875 3.250 ----- ----- 3.125 3.000 APR 3.911 3.320 ----- ----- 3.154 3.040 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 3.875 APR 3.680 3.062 3.577 3.017 3.802 3.908
******************************** 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 2.750 3.375 3.625 >$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 3.750 3.000 3.500 2.875 ----- 4.125 >$417K 4.625 ----- ------ ------- 3.375 -----
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.500 3.125 2.500 2.750 2.875 APR 3.370 2.583 3.195 2.467 2.788 2.919 >$417K 3.875 3.375 ----- ------ 3.000 3.000 APR 3.884 3.394 ----- ------ 2.994 2.995 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 3.875 APR 3.650 3.027 3.549 2.978 3.781 3.887
******************************** 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 2.875 ----- 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 3.875 3.125 3.625 3.000 ----- 4.375 >$417K ----- ------ ------ ------ 3.750 ----- 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 2.750 3.250 APR 3.400 2.578 3.233 2.461 2.912 3.277 >$417K 3.875 3.375 ----- ------ 2.875 3.000 APR 3.889 3.402 ----- ------ 2.888 3.000 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 3.875 APR 3.788 3.094 3.634 2.971 3.801 3.907
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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