SUMMARY:今天(08月08日 星期一)开盘时的房贷利率价格和上个工作日相比持平。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年固定的利率稳定在3.250%,15年固定 利率下降至2.500%,5/1 ARM上涨到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 2.625 3.000 3.250 >$417K 3.625 2.750 3.500 2.875 3.375 3.625 Jumbo 4.000 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 2.875 3.375 2.750 3.250 3.500 >$417K 4.000 3.250 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 3.293 2.669 3.195 2.522 2.789 2.918 >$417K 3.500 2.750 3.375 2.750 3.125 3.250 APR 3.529 2.767 3.438 2.830 3.160 3.294 Jumbo 3.875 3.375 ----- ----- 3.125 3.125 APR 3.903 3.409 ----- ----- 3.159 3.142 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 3.000 3.500 3.000 3.625 3.625 APR 3.670 3.080 3.546 3.037 3.667 3.674
******************************** 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 2.875 3.375 2.750 3.375 3.500 >$417K ----- ----- ------ ----- 3.500 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.000 3.500 2.875 3.750 3.750 >$417K 4.625 ----- ------ ------- 3.500 -----
PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.340 2.678 3.195 2.483 2.788 2.919 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.877 3.399 ----- ------ 3.124 3.117 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 3.625 3.625 APR 3.640 3.045 3.541 2.993 3.664 3.671
******************************** 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 3.750 3.750 >$417K ----- ------ ------ ------ 3.750 ----- 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 4.875 ------ ------ ------ 4.000 4.250 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 2.875 2.990 APR 3.398 2.686 3.226 2.476 2.914 3.034 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.881 3.407 ----- ------ 3.128 3.122 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 3.625 3.625 APR 3.791 3.176 3.559 2.986 3.677 3.684
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
|