。目前重新贷款40万左右的利率，30年固定利率下降到3.950%，15年固定利率稳定在3.
250%，5/1 ARM稳定在3.125%。购房贷款40万左右，30年固定的利率上升到3.875%，
15年固定利率稳定在3.000%，5/1 ARM稳定在3.000%.
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 | |
| 3.950 | 3.250 | 3.625 | 3.000 | 3.125 | 3.375 | |
| >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.625 | 3.750 |
| Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.625 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | |
| >$417K | 4.250 | 3.750 | 4.250 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.875 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
| APR | 3.890 | 3.098 | 3.563 | 2.972 | 3.034 | 3.274 |
| >$417K | 3.990 | 3.250 | 3.750 | 3.125 | 3.250 | 3.500 |
| APR | 4.034 | 3.237 | 3.793 | 3.192 | 3.295 | 3.538 |
| Jumbo | 4.000 | 3.500 | 4.125 | ------ | 3.375 | 3.500 |
| APR | 4.034 | 3.545 | 4.147 | ------ | 3.406 | 3.514 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.125 | 3.500 | 3.950 | 3.375 | 3.625 | 3.750 | |
| APR | 4.182 | 3.544 | 3.994 | 3.492 | 3.657 | 3.782 |
| ******************************* 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 | |
| 4.000 | 3.250 | 3.750 | 3.250 | 3.625 | 3.625 | |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.750 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.250 | 3.500 | 3.875 | 3.500 | 4.875 | 4.125 | |
| >$417K | 4.375 | 4.125 | 4.375 | ------ | 3.750 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.750 | 3.000 | 3.500 | 2.875 | 3.000 | 3.250 | |
| APR | 3.786 | 3.063 | 3.548 | 2.918 | 3.034 | 3.269 |
| >$417K | 4.125 | 3.625 | 4.125 | ------ | 3.375 | 3.500 |
| APR | 4.092 | 3.607 | 4.116 | ------ | 3.380 | 3.489 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.125 | 3.375 | 3.950 | 3.375 | 3.625 | 3.750 | |
| APR | 4.151 | 3.475 | 3.979 | 3.440 | 3.672 | 3.798 |
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
