SUMMARY:今天(07月14日 星期五)开盘时的房贷利率价格和上个工作日相比略微下降 。目前重新贷款40万左右的利率,30年固定利率下降在3.875%,15年固定利率下降在3. 125%,5/1 ARM下降在3.250%。购房贷款40万左右,30年固定的利率稳定在3.875%, 15年固定利率稳定在3.000%,5/1 ARM稳定在3.125%.
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 | 3.875 | 3.125 | 3.750 | 3.125 | 3.250 | 3.375 | >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.500 | 3.625 | Jumbo | 4.000 | 3.625 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.750 | 3.875 | >$417K | 4.125 | 3.750 | 4.250 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.000 | 3.625 | 2.875 | 3.125 | 3.250 | APR | 3.879 | 3.080 | 3.647 | 3.017 | 3.159 | 3.284 | | >$417K | 3.875 | 3.250 | 3.750 | 3.250 | 3.250 | 3.250 | APR | 3.923 | 3.238 | 3.816 | 3.203 | 3.273 | 3.298 | | Jumbo | 3.875 | 3.500 | 4.250 | ------ | 3.375 | 3.500 | APR | 3.919 | 3.536 | 4.276 | ------ | 3.403 | 3.515 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | APR | 4.265 | 3.599 | 4.049 | 3.519 | 3.537 | 3.787 | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.625 | 3.875 | >$417K | 4.250 | 4.000 | 4.500 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.000 | 3.625 | ------ | 4.375 | >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.625 | 2.875 | 3.125 | 3.250 | APR | 3.786 | 3.102 | 3.639 | 2.966 | 3.156 | 3.285 | | >$417K | 3.875 | 3.500 | 4.250 | ------ | 3.375 | 3.500 | APR | 3.893 | 3.531 | 4.247 | ------ | 3.382 | 3.496 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.950 | 3.375 | 3.500 | 3.750 | APR | 4.161 | 3.564 | 4.031 | 3.467 | 3.557 | 3.808 | 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 |