SUMMARY:今天(09月19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年固定利率下降至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年固定的利率上升在3.375%,15年固定 利率稳定在2.625%,5/1 ARM稳定在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 2.990 3.500 2.875 3.375 3.375 Jumbo 3.750 3.125 ----- ------ 3.125 3.125 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 3.125 3.500 >$417K 3.990 3.375 3.875 3.750 3.500 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.375 2.664 3.145 2.579 2.787 2.924 >$417K 3.450 2.750 3.375 2.750 3.125 3.125 APR 3.481 2.808 3.404 2.816 3.152 3.158 Jumbo 3.625 3.000 ----- ----- 2.875 3.000 APR 3.636 3.041 ----- ----- 2.902 3.014 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.625 APR 3.680 3.096 3.452 3.017 3.659 3.673
******************************** 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 3.125 3.500 >$417K 4.000 3.500 ------ ----- 3.375 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 3.000 3.750 3.750 >$417K 4.125 3.625 ------ ------- 3.500 3.500
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 3.305 2.659 3.140 2.577 2.767 2.923 >$417K 3.625 3.125 ----- ------ 3.000 3.000 APR 3.633 3.104 ----- ------ 2.999 3.011 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 2.875 3.500 3.625 APR 3.650 3.063 3.448 2.966 3.537 3.670
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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