SUMMARY：今天（08月18日 星期五)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3.75%，15年固定利率稳定在3.
125%，5/1 ARM降低至3.125%。购房贷款40万左右，30年固定的利率稳定在3.625%，15
年固定利率稳定在2.875%，5/1 ARM稳定在3.000%.
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 ******************************* 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 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 |
| >$417K | 3.950 | 3.250 | 3.750 | 3.250 | 3.500 | 3.500 |
| Jumbo | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.750 |
| >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.625 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.660 | 2.937 | 3.445 | 2.866 | 3.034 | 3.179 |
| >$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 |
| APR | 3.783 | 3.142 | 3.654 | 3.111 | 3.278 | 3.388 |
| Jumbo | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.881 | 3.529 | 4.151 | ------ | 3.260 | 3.273 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.500 | 3.625 |
| APR | 4.057 | 3.456 | 3.910 | 3.466 | 3.537 | 3.662 |
| ******************************* 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 | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.750 |
| >$417K | 4.375 | 4.250 | 4.375 | ------ | 3.500 | 3.500 |
| 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 | 3.625 | ------ | 4.125 |
| >$417K | 4.625 | 4.250 | 4.375 | ------ | 3.625 | 3.500 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 3.000 | 3.125 |
| APR | 3.630 | 2.902 | 3.437 | 2.815 | 3.026 | 3.179 |
| >$417K | 3.875 | 3.500 | 4.125 | ------ | 3.250 | 3.250 |
| APR | 3.856 | 3.521 | 4.122 | ------ | 3.236 | 3.249 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.500 | 3.625 |
| APR | 4.026 | 3.420 | 3.828 | 3.395 | 3.557 | 3.683 |
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
