SUMMARY：今天（04月10日 星期一)开盘时的房贷利率价格和上个工作日相比略微上涨
。目前重新贷款40万左右的利率，30年固定利率稳定在4.000%，15年固定利率稳定在3.
250%，5/1 ARM上涨在3.250%。购房贷款40万左右，30年固定的利率上涨在3.950%，
15年固定利率上涨在3.250%，5/1 ARM上涨在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 ******************************* See other assumptions at the bottom of the post) |
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| 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 | 3.250 | 3.375 | |
| >$417K | 4.250 | 3.375 | 4.000 | 3.250 | 3.750 | 3.875 |
| Jumbo | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.750 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.125 | 3.375 | 3.950 | 3.250 | 3.750 | 3.750 | |
| >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.950 | 3.250 | 3.750 | 3.125 | 3.000 | 3.250 | |
| APR | 3.997 | 3.222 | 3.757 | 3.200 | 3.053 | 3.274 |
| >$417K | 4.125 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 |
| APR | 4.141 | 3.308 | 3.933 | 3.245 | 3.421 | 3.661 |
| Jumbo | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.134 | 3.655 | 4.272 | ------ | 3.522 | 3.540 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | |
| APR | 4.297 | 3.688 | 4.160 | 3.617 | 3.782 | 3.907 |
| ******************************* TEXAS ******************************* (Based on Conforming Loan $200K, Jumbo Loan $500K. See other assumptions at the bottom of the post) |
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| PRIMARY RESIDENCE - REGULAR REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.125 | 3.375 | 3.950 | 3.250 | 3.750 | 3.750 | |
| >$417K | 4.375 | 4.125 | 4.500 | ------ | 3.875 | 3.875 |
| PRIMARY RESIDENCE - CASH-OUT REFINANCE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.250 | 3.625 | 4.125 | 3.625 | 4.875 | 4.750 | |
| >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 |
| PRIMARY RESIDENCE - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 3.875 | 3.125 | 3.750 | 3.000 | 3.000 | 3.250 | |
| APR | 3.911 | 3.206 | 3.742 | 3.099 | 3.054 | 3.275 |
| >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 |
| APR | 4.131 | 3.650 | 4.241 | ------ | 3.496 | 3.514 |
| INVESTMENT PROPERTY - PURCHASE: | ||||||
| 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | |
| 4.250 | 3.500 | 4.125 | 3.500 | 3.750 | 3.875 | |
| APR | 4.266 | 3.600 | 4.132 | 3.566 | 3.798 | 3.923 |
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
