SUMMARY：今天（11月22日 星期二)开盘时的房贷利率价格和上个工作日相比上涨
。目前重新贷款40万左右的利率，30年固定利率上涨至4.000%，15年固定利率上涨至
3.250%，5/1 ARM上涨至3.500%。购房贷款40万左右，30年固定的利率上涨至3.875%，
15年固定利率上涨至3.000%，5/1 ARM上涨至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 ******************************* 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 | 3.750 | 3.125 | 3.500 | 3.500 |
| >$417K | 4.125 | 3.375 | 4.000 | 3.375 | 3.625 | 4.000 |
| Jumbo | 4.125 | 3.625 | ------ | ------ | 3.500 | 3.500 |
| 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 | 4.125 |
| >$417K | 4.625 | 4.125 | 4.500 | ------ | 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 | 3.000 | 3.125 | 3.375 |
| APR | 3.890 | 3.098 | 3.668 | 3.106 | 3.174 | 3.428 |
| >$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| APR | 4.046 | 3.283 | 3.939 | 3.312 | 3.406 | 3.647 |
| Jumbo | 4.000 | 3.375 | ------ | ------ | 3.250 | 3.250 |
| APR | 4.023 | 3.444 | ------ | ------ | 3.270 | 3.292 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 4.375 | ------ |
| APR | 4.276 | 3.563 | 4.038 | 3.591 | 4.428 | ------ |
| ******************************* 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 | 3.750 | 4.125 |
| >$417K | 4.375 | 3.875 | ------ | ------ | ------ | 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 | 3.990 | 3.625 | ------ | ------ |
| >$417K | 4.375 | ------ | ------ | ------ | ------ | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 3.750 | 3.000 | 3.625 | 3.000 | 3.125 | 3.375 |
| APR | 3.796 | 3.063 | 3.658 | 3.091 | 3.154 | 3.421 |
| >$417K | 4.000 | 3.500 | ------ | ------ | 3.250 | 3.375 |
| APR | 4.020 | 3.526 | ------ | ------ | 3.252 | 3.386 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 4.375 | 4.625 |
| APR | 4.161 | 3.475 | 4.028 | 3.520 | 4.406 | 4.663 |
