SUMMARY：今天（06月13日星期一)开盘时的房贷利率价格和上个工作日相比稍好。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下降至2.875%。购房贷款40万左右，30年固定的利率下降为3.375%，15年固定稳定
为2.750%，5/1 ARM下降至2.625%。
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 3.375 2.625 2.875 3.125
>$417K 3.625 2.875 3.375 2.750 3.375 3.375
Jumbo 4.125 3.500 ----- ------ 3.375 3.375
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.500 2.750 3.125 3.375
>$417K 3.990 3.375 3.875 ------ ----- 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.750 3.250 2.500 2.625 2.875
APR 3.419 2.687 3.282 2.553 2.667 2.918
>$417K 3.550 2.750 3.375 2.750 3.125 3.375
APR 3.596 2.811 3.387 2.762 3.170 3.403
Jumbo 4.000 3.375 ----- ----- 3.325 3.250
APR 4.018 3.417 ----- ----- 3.276 3.272
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 2.875 3.375 3.625
APR 3.765 3.080 3.631 3.017 3.423 3.668
******************************** 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 3.500 2.750 3.125 3.375
>$417K 4.625 ----- ------ ----- 3.750 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 2.875 3.750 3.625
>$417K 4.625 ----- ------ ------- ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.625 2.875
APR 3.390 2.720 3.253 2.495 2.647 2.912
>$417K 4.000 3.500 ----- ------ 3.250 3.250
APR 3.998 3.489 ----- ------ 3.261 3.267
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 2.875 3.375 3.625
APR 3.900 3.211 3.642 3.004 3.402 3.663
******************************** 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 3.750 3.125 3.625 2.875 3.625 3.625
>$417K 4.500 ------ ------ ------ ------ -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.250 3.750 3.000 ----- 3.875
>$417K 4.625 ------ ------ ------ ------ 4.000
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.450 2.625 3.250 2.500 2.625 2.990
APR 3.508 2.715 3.280 2.488 2.665 3.030
>$417K 4.000 3.500 ----- ------ 3.250 3.250
APR 4.001 3.498 ----- ------ 3.265 3.270
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.125 3.625 2.875 3.375 3.625
APR 3.898 3.206 3.666 2.997 3.421 3.678
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
