SUMMARY:今天(10月17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3.500%,15年固定利率稳定在 2.750%,5/1 ARM稳定在3.000%。购房贷款40万左右,30年固定的利率稳定在3.375%, 15年固定 利率下降在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 3.500 2.750 3.375 2.625 3.000 3.250 >$417K 3.625 2.875 3.500 2.875 3.375 3.375 Jumbo 3.750 3.250 ----- ------ 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 2.875 3.375 2.750 3.250 3.500 >$417K 4.000 3.500 3.875 3.625 3.375 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 3.389 2.671 3.192 2.619 2.789 2.924 >$417K 3.450 2.750 3.375 2.750 3.125 3.125 APR 3.491 2.789 3.420 2.842 3.159 3.164 Jumbo 3.625 3.000 ----- ----- 2.875 3.000 APR 3.645 3.054 ----- ----- 2.912 3.023 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.700 2.990 3.500 3.000 3.625 3.750 APR 3.753 3.076 3.546 3.064 3.673 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 3.125 3.500 3.125 3.875 3.875 >$417K 4.000 ----- ------ ----- ----- 3.500 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.500 3.125 3.875 3.990 >$417K 4.000 ----- ------ ------- ----- 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 2.665 3.181 2.580 2.769 2.923 >$417K 3.625 3.125 ----- ------ 3.000 3.125 APR 3.642 3.124 ----- ------ 3.009 3.116 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 3.750 APR 3.660 3.070 3.542 2.992 3.652 3.798
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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