SUMMARY：今天（07月05日星期二)开盘时的房贷利率价格和上个工作日相比稍好。目前
重新贷款40万左右的利率，30年固定利率稳定在3.375%，15年固定利率稳定在2.750%，
5/1 ARM下降为2.750%。购房贷款40万左右，30年固定的利率下降为3.250%，15年固定
下降为2.500%，5/1 ARM下降为2.500%.
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 3.250 2.500 2.750 3.000
>$417K 3.500 2.750 ----- ----- 3.250 3.375
Jumbo 4.000 3.375 ----- ------ 3.250 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.625 3.500 3.500
>$417K 3.950 3.375 ----- ------ ----- -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.375 2.500 2.875
APR 3.294 2.597 3.135 2.497 2.551 2.918
>$417K 3.375 2.750 3.250 ----- 3.125 3.250
APR 3.416 2.774 3.279 ----- 3.153 3.286
Jumbo 3.875 3.250 ----- ----- 3.000 3.000
APR 3.909 3.290 ----- ----- 3.034 3.034
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.500
APR 3.670 3.062 3.563 2.998 3.406 3.550
******************************** 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 2.750 3.250 2.625 3.500 3.500
>$417K ----- ----- ------ ----- 3.375 3.875
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.375 2.875 3.750 3.750
>$417K 4.625 ----- ------ ------- 3.375 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.375 2.500 2.750
APR 3.295 2.591 3.106 2.443 2.531 2.787
>$417K 3.875 3.375 ----- ------ 2.875 3.000
APR 3.883 3.366 ----- ------ 2.887 3.003
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.875 3.375 2.750 3.250 3.500
APR 3.545 2.955 3.452 2.893 3.291 3.529
******************************** 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 3.625 3.000 3.375 2.750 3.750 3.750
>$417K ----- ------ ------ ------ 3.500 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.250 3.500 3.000 ----- 4.125
>$417K ----- ------ ------ ------ 3.625 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.250 2.500 3.125 2.375 2.500 2.875
APR 3.296 2.572 3.163 2.493 2.544 2.893
>$417K 3.875 3.375 ----- ------ 2.875 3.000
APR 3.871 3.380 ----- ------ 2.878 2.983
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.700 3.125 3.500 2.875 3.375 3.500
APR 3.751 3.166 3.549 2.931 3.404 3.538
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
