SUMMARY：今天（09月29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年固定利率稳定至3.375%，15年固定利率稳定在2.750%，
5/1 ARM下降至2.875%。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2.500%，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    3.125    2.750    2.875      3.250
>$417K      3.450    2.750    3.250     2.750     3.375      3.250
Jumbo        3.625    3.000     -----        ------    3.125      3.125
 
                       
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.750     3.125        3.375
>$417K      3.750     3.375    3.750       3.625      3.375      3.250
   
                   
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.200    2.500    2.990    2.625    2.750       2.875
APR           3.241    2.586    3.055    2.506     2.789      2.924
                    
>$417K      3.375    2.750    3.250       2.750     2.990        3.000
APR           3.399    2.744    3.305       2.966     3.036        3.040
                       
Jumbo        3.500     2.875     -----       -----     2.875       2.875
APR            3.524     2.944     -----       -----     2.902       2.913
    
                                                      
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.875    3.250   2.875    3.500        3.625
APR           3.605    2.973    3.304    2.991    3.556       3.663

******************************** 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    3.375    2.750    3.250    2.750     3.125        3.375
>$417K      3.750       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   2.990    3.375    3.125       3.625      3.750
>$417K      4.000      3.500      ------      -------       -----    3.500

                       
PRIMARY RESIDENCE - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.200    2.500    2.990    2.500    2.625       2.875
APR           3.275    2.580    3.050    2.497    2.658       2.923
                       
>$417K      3.625    3.000    -----       ------     2.875       3.000
APR           3.603     2.998    -----      ------     2.893       3.003
                       
INVESTMENT PROPERTY - PURCHASE:                       
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500   2.875    3.250    2.750    3.500       3.625
APR           3.545    2.973    3.300    2.893    3.536       3.659

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