SUMMARY：今天（07月15日星期五)开盘时的房贷利率价格和上个工作日相比稍差。目前
重新贷款40万左右的利率，30年固定利率上升在3.500%，15年固定利率稳定在2.750%，
5/1 ARM稳定至3.000%。购房贷款40万左右，30年固定的利率上升至3.375%，15年固定
利率上升在2.625%，5/1 ARM下降至2.625%.
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 3.500 2.750 3.250 2.625 3.125 3.375
>$417K 3.625 2.750 3.500 2.875 3.500 3.625
Jumbo 4.125 3.500 ----- ------ 3.375 3.250
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.625 2.875 3.375 2.750 3.375 3.625
>$417K 4.125 3.375 4.375 ------ ----- 4.375
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.625 3.250 2.500 2.875 3.250
APR 3.396 2.697 3.249 2.520 2.917 3.285
>$417K 3.500 2.750 3.375 2.750 3.375 3.625
APR 3.546 2.766 3.436 2.810 3.419 3.654
Jumbo 4.000 3.375 ----- ----- 3.125 3.000
APR 4.014 3.410 ----- ----- 3.163 3.040
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 3.875 3.875
APR 3.680 3.062 3.577 3.017 3.901 3.915
******************************** 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 2.875 3.500 2.750 3.375 3.625
>$417K ----- ----- ------ ----- 3.375 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.000 3.625 2.875 ----- 4.125
>$417K ----- ----- ------ ------- 3.500 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.500 3.250 2.500 2.875 3.250
APR 3.398 2.589 3.245 2.482 2.896 3.264
>$417K 4.000 3.375 ----- ------ 3.000 3.000
APR 3.988 3.401 ----- ------ 3.004 3.005
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 3.750 3.875
APR 3.650 3.027 3.549 2.966 3.786 3.893
******************************** 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 3.750 3.000 3.500 2.875 ----- 4.125
>$417K ----- ------ ------ ------ 3.625 -----
PRIMARY RESIDENCE - CASH-OUT REFINANCE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.875 3.250 3.625 3.000 ----- -----
>$417K ----- ------ ------ ------ 3.750 -----
PRIMARY RESIDENCE - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.375 2.500 3.250 2.500 2.875 3.250
APR 3.396 2.584 3.247 2.475 2.915 3.283
>$417K 4.000 3.375 ----- ------ 3.000 3.000
APR 3.992 3.409 ----- ------ 3.008 3.009
INVESTMENT PROPERTY - PURCHASE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 3.750 3.125 3.625 2.875 3.875 3.875
APR 3.796 3.172 3.645 2.985 3.899 3.913
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
