SUMMARY:今天(12月23日 星期五)开盘时的房贷利率价格和上个工作日相比趋于持平 。目前重新贷款40万左右的利率,30年固定利率稳定在4.25%,15年固定利率稳定至 3.375%,5/1 ARM降低至3.500%。购房贷款40万左右,30年固定的利率稳定在4.125%, 15年固定利率稳定在3.250%,5/1 ARM稳定在3.250%. 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 | 4.125 | 3.375 | 4.000 | 3.375 | 3.500 | 3.750 | >$417K | 4.375 | 3.625 | 4.250 | 4.000 | 3.375 | 4.000 | Jumbo | 4.375 | 4.000 | ------ | ------ | 3.625 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | 4.500 | ------ | 4.625 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.119 | 3.312 | 3.948 | 3.340 | 3.040 | 3.411 | | >$417K | 4.200 | 3.500 | 4.125 | 3.750 | 3.500 | 3.750 | APR | 4.218 | 3.549 | 4.132 | 3.854 | 3.543 | 3.791 | | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.625 | APR | 4.283 | 3.792 | ------ | ------ | 3.520 | 3.666 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | 4.125 | 4.250 | APR | 4.505 | 3.832 | 4.329 | 3.868 | 4.178 | 4.306 | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | 3.875 | 3.990 | >$417K | 4.625 | 4.375 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.250 | 3.875 | ------ | 4.500 | >$417K | 4.625 | ------ | ------ | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 2.990 | 3.375 | APR | 4.036 | 3.277 | 3.930 | 3.289 | 3.033 | 3.404 | | >$417K | 4.375 | 3.875 | ------ | ------ | 3.500 | 3.750 | APR | 4.364 | 3.879 | ------ | ------ | 3.494 | 3.741 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.625 | 4.125 | 4.250 | APR | 4.412 | 3.726 | 4.301 | 3.771 | 4.171 | 4.298 | 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 |