SUMMARY：今天（06月01日星期三)开盘时的房贷利率价格和昨日相比稍好。目前重新贷
款40万左右的利率，30年固定利率下降至3.500%，15年固定利率下降至2.750%，5/1
ARM下降至3.000%。购房贷款40万左右，30年固定的利率维持为3.500%，15年固定稳定
为2.750%，5/1 ARM下降为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 3.500 2.750 3.000 3.375
>$417K 3.700 3.000 3.500 3.000 3.500 3.625
Jumbo 4.250 3.750 ----- ------ 3.625 3.500
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.250 3.500
>$417K 4.125 3.500 4.250 ------ ----- 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 2.750 3.125
APR 3.504 2.758 3.402 2.682 2.800 3.167
>$417K 3.625 2.875 3.500 2.875 3.375 3.500
APR 3.652 2.950 3.503 2.925 3.399 3.534
Jumbo 4.125 3.500 ----- ----- 3.375 3.375
APR 4.142 3.555 ----- ----- 3.407 3.400
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 3.000 3.625 3.875
APR 3.900 3.223 3.702 3.143 3.678 3.905
******************************** 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 3.625 3.000 3.500 2.875 3.250 3.500
>$417K ----- ------ ------ ----- 3.625 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 4.750 3.875
>$417K ----- ------ ------ ------- 3.625 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.500 2.750 3.125
APR 3.475 2.823 3.374 2.641 2.780 3.147
>$417K 4.125 3.625 ----- ------ 3.250 3.250
APR 4.116 3.634 ----- ------ 3.252 3.261
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 3.625 3.875
APR 3.786 3.188 3.674 3.091 3.657 3.884
******************************** FLORIDA ********************************
(Based on Conforming Loan $200K, High-Balance Loan $500K for FL Keywest
Area only. 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 3.875 3.250 3.750 3.000 ----- 3.875
>$417K 4.625 ------ ------ ----- ----- -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.000 3.500 3.875 3.250 ----- 4.375
>$417K 4.875 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.500 2.750 3.125
APR 3.542 2.818 3.395 2.634 2.798 3.166
>$417K 4.125 3.625 ----- ------ 3.250 3.250
APR 4.121 3.642 ----- ------ 3.257 3.266
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.125 3.625 3.875
APR 4.040 3.347 3.783 3.198 3.676 3.904
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
