SUMMARY:今天(05月20日星期五)开盘时的房贷利率价格和昨日相比持平。目前重新贷 款40万左右的利率,30年固定利率稳定为3.625%,15年固定维持为2.750%,5/1 ARM 稳定为3.125%。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稳定为2.875%。
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 3.625 2.750 3.500 2.750 3.125 3.375 >$417K 3.750 3.000 3.625 3.000 3.250 3.500 Jumbo 4.125 3.750 4.125 ------ 3.125 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.875 3.625 2.875 3.375 3.625 >$417K 4.125 3.500 4.250 ------ 3.250 3.500 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 2.875 3.000 APR 3.522 2.753 3.433 2.680 2.910 3.051 >$417K 3.625 2.875 3.500 2.875 3.125 3.375 APR 3.671 2.949 3.550 2.972 3.162 3.402 Jumbo 4.000 3.500 4.000 ----- 3.000 3.250 APR 4.040 3.557 4.026 ----- 3.042 3.283 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.875 3.125 3.750 3.000 3.125 3.375 APR 3.887 3.200 3.752 3.135 3.171 3.411
******************************** 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 2.875 3.500 2.875 3.250 3.625 >$417K 4.500 4.125 4.500 ----- 3.500 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 ----- 3.990 >$417K 4.500 4.125 4.500 ------ 3.500 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 2.875 3.250 APR 3.489 2.713 3.384 2.639 2.890 3.269 >$417K 4.125 3.625 4.000 ------ 3.125 3.250 APR 4.117 3.635 4.025 ------ 3.137 3.265 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 3.125 3.375 APR 3.780 3.160 3.681 3.077 3.171 3.412
******************************** 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 3.625 3.000 ----- 4.125 >$417K 4.875 ------ ------ ------ 4.125 4.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 4.125 3.350 3.750 3.250 ----- 4.375 >$417K 4.875 ------ ------ ------ 4.125 4.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.750 3.375 2.500 2.875 3.250 APR 3.614 2.817 3.408 2.632 2.909 3.291 >$417K 4.125 3.625 4.000 ------ 3.125 3.250 APR 4.122 3.643 4.026 ------ 3.138 3.270 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.950 3.250 3.750 3.125 3.125 3.375 APR 3.983 3.346 3.768 3.190 3.172 3.412
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
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