SUMMARY:今天(12月05日 星期一)开盘时的房贷利率价格和上个工作日相比稍微持平 。目前重新贷款40万左右的利率,30年固定利率稳定在4.000%,15年固定利率稳定至 3.250%,5/1 ARM稳定在3.500%。购房贷款40万左右,30年固定的利率稳定在3.990%, 15年固定利率稳定在3.250%,5/1 ARM稳定在3.125%. 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.625 | 3.625 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.375 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.375 | 3.750 | 3.990 | >$417K | 4.750 | ------ | 4.625 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.250 | 3.750 | 3.000 | 3.125 | 3.375 | APR | 4.041 | 3.240 | 3.729 | 3.132 | 3.159 | 3.410 | | >$417K | 4.125 | 3.375 | 4.000 | 3.625 | 3.375 | 3.875 | APR | 4.158 | 3.428 | 4.043 | 3.715 | 3.403 | 3.915 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.142 | 3.646 | ------ | ------ | 3.276 | 3.396 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 3.990 | 3.625 | ------ | 4.375 | APR | 4.401 | 3.688 | 4.054 | 3.716 | ------ | 4.420 | 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 | 4.125 | 3.375 | 3.990 | 3.375 | 3.750 | 4.125 | >$417K | 4.375 | ------ | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.125 | 3.750 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.125 | 3.375 | APR | 3.932 | 3.206 | 3.697 | 3.131 | 3.152 | 3.403 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.139 | 3.641 | ------ | ------ | 3.252 | 3.382 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 4.375 | 4.375 | APR | 4.287 | 3.600 | 4.044 | 3.645 | 4.416 | 4.413 | 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 |