SUMMARY：今天（05月03日星期二)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年固定利率稳定在3.625%，15 年固定维持为2.750%，5/1 ARM下
降为3.000%。购房贷款40万左右，30年固定的利率维持为3.500%，15年固定稳定在2.
750%，5/1 ARM稳定为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 3.625 2.750 3.500 2.625 2.875 3.250
>$417K 3.750 3.000 3.500 3.000 3.125 3.500
Jumbo 4.000 3.500 4.000 ------ 3.000 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 2.750 3.125 3.375
>$417K 4.125 3.500 4.125 ------ 3.125 3.500
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.250 2.500 2.750 2.875
APR 3.512 2.717 3.284 2.619 2.773 2.915
>$417K 3.625 2.875 3.500 2.875 3.000 3.250
APR 3.655 2.915 3.509 2.920 3.027 3.276
Jumbo 3.875 3.375 3.875 ----- 2.875 3.250
APR 3.923 3.419 3.930 ----- 2.907 3.271
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 3.000 3.000 3.250
APR 3.803 3.093 3.694 3.056 3.036 3.306
******************************** 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 2.750 3.125 3.375
>$417K 4.375 4.000 4.500 ----- 3.375 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 3.750 3.750
>$417K 4.375 4.000 4.500 ------ 3.375 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 2.625 2.875
APR 3.414 2.695 3.319 2.580 2.658 2.913
>$417K 4.000 3.250 4.000 ------ 3.000 3.125
APR 3.990 3.278 4.025 ------ 3.012 3.129
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 2.875 3.000 3.375
APR 3.770 3.053 3.657 3.004 3.046 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 3.125 3.625 3.000 3.750 3.750
>$417K 4.750 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.950 3.375 3.750 3.250 ------ 4.250
>$417K 4.500 ------ ------ ------ 4.000 3.750
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 2.750 3.125
APR 3.536 2.785 3.374 2.573 2.772 3.150
>$417K 4.000 3.500 4.000 ------ 3.000 3.125
APR 3.995 3.498 4.026 ------ 3.013 3.133
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 3.000 3.375
APR 3.913 3.304 3.681 3.104 3.046 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
