SUMMARY:今天(11月08日 星期二)开盘时的房贷利率价格和上个工作日相比持平 。目前重新贷款40万左右的利率,30年固定利率稳定在3.500%,15年固定利率稳定在 2.750%,5/1 ARM稳定在3.000%。购房贷款40万左右,30年固定的利率稳定在3.375%, 15年固定利率稳定在2.625%,5/1 ARM稳定至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 | 3.375 | 2.750 | 2.990 | 3.250 | >$417K | 3.700 | 2.875 | 3.500 | 2.875 | 3.375 | 3.375 | Jumbo | 3.875 | 3.250 | ------ | ------ | 3.250 | 3.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 4.000 | 3.500 | 4.000 | 3.625 | 3.375 | 3.375 | | 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 | 2.750 | 2.990 | APR | 3.399 | 2.708 | 3.252 | 2.620 | 2.789 | 3.024 | | >$417K | 3.550 | 2.750 | 3.375 | 2.750 | 3.125 | 3.125 | APR | 3.587 | 2.818 | 3.436 | 2.841 | 3.157 | 3.167 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.125 | APR | 3.659 | 3.076 | ------ | ------ | 3.029 | 3.142 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.775 | 3.098 | 3.553 | 3.143 | 3.555 | 3.672 | ******************************* 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 | 2.875 | 3.250 | 3.500 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | 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 | 3.125 | 3.625 | 3.750 | >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 | | 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 | 2.750 | 2.990 | APR | 3.370 | 2.695 | 3.242 | 2.581 | 2.769 | 3.017 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.743 | 3.146 | ------ | ------ | 3.004 | 3.119 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | APR | 3.671 | 3.063 | 3.543 | 3.091 | 3.548 | 3.665 | 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 |