SUMMARY:今天(02月01日 星期三)开盘时的房贷利率价格和上个工作日相比略微上涨 。目前重新贷款40万左右的利率,30年固定利率稳定在4.125%,15年固定利率稳定在3. 250%,5/1 ARM稳定在3.250%。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 | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.625 | >$417K | 4.375 | 3.500 | 4.125 | 3.500 | 3.375 | 3.875 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.250 | 4.625 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.125 | 3.250 | APR | 4.046 | 3.240 | 3.933 | 3.235 | 3.159 | 3.304 | | >$417K | 4.200 | 3.375 | 4.000 | 3.375 | 3.375 | 3.625 | APR | 4.229 | 3.407 | 4.061 | 3.471 | 3.399 | 3.673 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.164 | 3.664 | ------ | ------ | 3.412 | 3.653 | | 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 | 4.000 | 3.990 | APR | 4.433 | 3.706 | 4.300 | 3.743 | 4.052 | 4.037 | ******************************* 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 | 3.375 | 4.125 | 3.375 | 3.625 | 3.875 | >$417K | 4.500 | 4.125 | ------ | ------ | 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 | 3.750 | 4.250 | 3.750 | ------ | 4.250 | >$417K | 4.500 | 4.250 | ------ | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.250 | APR | 4.015 | 3.205 | 3.903 | 3.253 | 3.140 | 3.299 | | >$417K | 4.250 | 3.625 | ------ | ------ | 3.375 | 3.625 | APR | 4.238 | 3.658 | ------ | ------ | 3.387 | 3.631 | | 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 | 4.000 | 3.990 | APR | 4.401 | 3.670 | 4.272 | 3.691 | 4.030 | 4.030 | 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 |