SUMMARY：今天（07月06日星期三)开盘时的房贷利率价格和上个工作日相比持平。目前
重新贷款40万左右的利率，30年固定利率稳定在3.375%，15年固定利率稳定在2.750%，
5/1 ARM稳定在2.750%。购房贷款40万左右，30年固定的利率稳定在3.250%，15年固定
利率稳定在2.500%，5/1 ARM稳定在2.500%.

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    3.375    2.750    3.125    2.500    2.750      3.000
>$417K      3.500    2.750    -----     -----    3.000      3.375
Jumbo        4.000    3.375     -----        ------    3.250      3.250
  
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.375    2.750    3.250    2.625     3.000        3.250
>$417K      3.875     3.500    -----       ------      -----      -----
    
                    
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.125    2.375    2.500       2.750
APR           3.294    2.597    3.135    2.497     2.551      2.803
                     
>$417K      3.375    2.750    3.250       -----     3.125        3.250
APR           3.416    2.774    3.279       -----     3.153        3.286
                        
Jumbo        3.750     3.125     -----       -----     3.000       3.000
APR            3.791     3.200     -----       -----     3.034       3.034
     
                                                       
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   2.875    3.500   2.875    3.375        3.500
APR           3.670    2.973    3.563    2.998    3.406       3.550



                      ***************** 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    3.375    2.750    3.250    2.625     2.875        3.250
>$417K      -----       -----      ------        -----     3.375      3.875
                        
PRIMARY RESIDENCE - CASH-OUT REFINANCE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.625   3.000    3.375    2.875       3.750      3.750
>$417K      4.625      -----      ------      -------       3.375    -----

                        
PRIMARY RESIDENCE - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.250    2.500    3.000    2.375    2.500       2.750
APR           3.295    2.591    3.050    2.443    2.531       2.787
                        
>$417K      3.875    3.250    -----       ------     2.750       3.000
APR           3.883     3.271    -----      ------     2.764       3.003
                        
INVESTMENT PROPERTY - PURCHASE:                        
                  30-Yr    15-Yr    20-Yr    10-Yr    5/1 ARM    7/1 ARM
<=$417K    3.500   2.875    3.375    2.750    3.250       3.500
APR           3.545    2.955    3.452    2.893    3.291       3.529

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。