SUMMARY：今天（10月27日 星期四)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。
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******************************* 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 |
3.250 |
2.625 |
3.000 |
3.250 |
| >$417K |
3.625 |
2.875 |
3.500 |
3.000 |
3.375 |
3.375 |
| Jumbo |
3.875 |
3.500 |
------ |
------ |
3.250 |
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 |
2.875 |
3.250 |
3.500 |
| >$417K |
4.000 |
3.500 |
3.875 |
------ |
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 |
2.990 |
| APR |
3.399 |
2.690 |
3.161 |
2.636 |
2.799 |
3.036 |
| |
| >$417K |
3.450 |
2.750 |
3.375 |
2.750 |
3.125 |
3.250 |
| APR |
3.497 |
2.801 |
3.402 |
2.852 |
3.162 |
3.268 |
| |
| Jumbo |
3.750 |
3.250 |
------ |
------ |
3.000 |
3.125 |
| APR |
3.782 |
3.313 |
------ |
------ |
3.037 |
3.147 |
| |
| INVESTMENT PROPERTY - PURCHASE: |
| |
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
| <=$417K |
3.700 |
3.000 |
3.500 |
3.125 |
3.625 |
3.750 |
| APR |
3.750 |
3.096 |
3.493 |
3.211 |
3.673 |
3.790 |
******************************* 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 |
2.875 |
3.250 |
3.500 |
| >$417K |
4.375 |
------ |
------ |
------ |
------ |
------ |
| |
| 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 |
3.875 |
| >$417K |
4.000 |
------ |
------ |
------ |
------ |
3.625 |
| |
| 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 |
2.990 |
| APR |
3.305 |
2.684 |
3.157 |
2.597 |
2.779 |
3.013 |
| |
| >$417K |
3.750 |
3.375 |
------ |
------ |
3.000 |
3.125 |
| APR |
3.756 |
3.402 |
------ |
------ |
3.012 |
3.122 |
| |
| 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 |
3.750 |
| APR |
3.660 |
3.091 |
3.488 |
3.118 |
3.663 |
3.787 |
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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