SUMMARY:今天(09月28日 星期三)开盘时的房贷利率价格和上个工作日相比稍差。目前 重新贷款40万左右的利率,30年固定利率稳定至3.375%,15年固定利率稳定在2.750%, 5/1 ARM上升至3.125%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定 利率稳定在2.500%,5/1 ARM稳定在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 3.375 2.750 3.125 2.750 3.125 3.250 >$417K 3.450 2.750 3.250 2.750 3.250 3.250 Jumbo 3.625 3.000 ----- ------ 3.125 3.125 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.750 3.250 2.750 3.375 3.375 >$417K 3.750 3.375 3.750 3.625 3.375 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 2.990 2.625 2.750 2.875 APR 3.241 2.586 3.055 2.506 2.789 2.924 >$417K 3.375 2.750 3.250 2.875 2.990 3.000 APR 3.399 2.744 3.305 2.966 3.036 3.040 Jumbo 3.500 2.875 ----- ----- 2.875 2.875 APR 3.524 2.944 ----- ----- 2.902 2.913 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.550 2.875 3.250 2.875 3.500 3.625 APR 3.605 2.973 3.304 2.991 3.556 3.663 ******************************** 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 3.375 2.750 3.250 2.750 3.125 3.375 >$417K 3.750 3.375 ------ ----- ----- 3.375 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.375 3.125 3.625 3.750 >$417K 4.000 3.500 ------ ------- ----- 3.500 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.200 2.500 2.990 2.500 2.625 2.875 APR 3.275 2.580 3.050 2.497 2.658 2.923 >$417K 3.500 2.875 ----- ------ 2.875 3.000 APR 3.506 2.907 ----- ------ 2.893 3.003 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.250 2.750 3.500 3.625 APR 3.545 2.973 3.300 2.893 3.536 3.659 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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