SUMMARY：今天（05月31日星期二)开盘时的房贷利率价格和昨日相比稍好。目前重新贷
款40万左右的利率，30年固定利率上升至至3.625%，15年固定利率上升至2.875%，5/1
ARM上升为3.125%。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
为2.750%，5/1 ARM稳定在2.875%。
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 2.875 3.500 2.750 3.125 3.375
>$417K 3.875 3.125 3.625 3.000 3.625 3.875
Jumbo 4.250 3.750 ----- ------ 3.625 3.625
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 3.000 3.500 2.875 3.375 3.625
>$417K 4.250 3.625 4.250 ------ ----- 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 2.875 3.125
APR 3.514 2.776 3.417 2.709 2.905 3.178
>$417K 3.750 3.000 3.500 2.875 3.375 3.750
APR 3.766 3.063 3.516 2.936 3.409 3.766
Jumbo 4.125 3.500 ----- ----- 3.250 3.375
APR 4.150 3.564 ----- ----- 3.272 3.411
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.750 3.125 3.750 3.875
APR 3.910 3.314 3.770 3.215 3.784 3.918
******************************** 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 3.625 3.000 3.500 2.875 3.250 3.625
>$417K ----- ----- ----- ----- 3.625 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.990 3.375 3.750 3.250 ----- -----
>$417K ----- ----- ----- ------ 3.750 -----
--
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.500 2.750 3.375 2.750 2.750 3.125
APR 3.485 2.741 3.388 2.779 2.789 3.152
>$417K 4.125 3.625 ----- ------ 3.250 3.375
APR 4.123 3.642 ----- ------ 3.256 3.366
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 3.000 3.625 3.875
APR 3.796 3.206 3.689 3.118 3.666 3.890
******************************** 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 4.125 3.375 3.750 3.375 ----- -----
>$417K 4.625 ------ ------ ----- ----- -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.250 3.625 3.875 3.500 ----- -----
>$417K 4.875 ------ ------ ------ 4.000 4.250
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 2.875 3.250
APR 3.662 2.958 3.431 2.830 2.911 3.277
>$417K 4.125 3.625 ----- ------ 3.250 3.375
APR 4.133 3.659 ----- ------ 3.266 3.375
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.125 3.500 3.750 3.375 3.750 3.875
APR 4.142 3.536 3.811 3.479 3.782 3.917
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
