【方圆贷款利率—CA、TX、FL】05月06日 星期五

SUMMARY:今天(05月06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年固定利率维持在3.500%,15年固定维持为2.750%,5/1 ARM
下降为2.750%。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下降为2.625%

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    2.990    3.500     2.875    3.000      3.375
Jumbo        4.000    3.500    3.875       ------    2.875     3.250
  
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

>$417K      4.125     3.500    4.000      ------     3.000       3.375
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.501    2.699    3.267    2.610     2.672       2.906
                     
>$417K      3.625    2.875    3.375       2.750     2.875        3.125
APR           3.634    2.899    3.432       2.859     2.901        3.172
                        
Jumbo        3.875     3.250     3.750       -----     2.750       3.125
APR            3.904     3.323     3.804       -----     2.782       3.148
                                                            
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.792    3.075    3.684    3.030    3.540        3.803




******************************** 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      4.375      4.000     4.375       -----     3.250      3.500
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

>$417K      4.375     4.000     4.375     ------      3.250     3.500
-- 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.404    2.695    3.306    2.571    2.652       2.904
                        
>$417K      4.000    3.375    3.875       ------     2.875       3.125
APR           3.984     3.391    3.900      ------     2.887       3.122
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.760    3.035    3.629    2.978    2.920       3.286



******************************** 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      4.750      ------      ------      ------    3.750       4.125 
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

>$417K      4.750     ------      ------     ------     3.875        4.125 
                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.510    2.716    3.310    2.564    2.671        3.045
                        
>$417K      4.000    3.375    3.875      ------    2.875         3.125
APR           3.988    3.400    3.901      ------     2.888        3.126
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM

APR           3.902    3.299    3.653    3.078    2.921       3.287


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):  
    -
    -
    -
except for 7/1 ARM which is
    -
    -
    -
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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