Today’s refinance rates decline : July 9, 2021. The average 30-year fixed-refinance rate is 3.13%, down 2 basis points compared to last month’s 3.15%. The average for a 15-year refi is currently running at 2.44%, down 1 basis point since the same time last week.

The Dow jumps 440 points, rebounding from a one-day slide. All three major averages notched record closes on Friday, rebounding from the previous session’s losses over concerns of a slowdown in global economic growth. Friday’s comeback brought all three majors averages into the green for the week. The Dow rose 0.25% for the week, with the S&P 500 and Nasdaq gaining 0.4% each.

Mortgage applications fell 1.8% last week, according to the Mortgage Bankers Association’s seasonally adjusted index, indicating that interest in new home purchases and home refinancing is at its lowest level since before the pandemic. Although ultralow interest rates should be driving up demand, homes are scarce and increasingly expensive, pricing out potential buyers out of the market.

Continual floating of longer-term and brand new files, while locking interest rates in time for closing loans, is recommended.

今日2021 年 7 月 9 日抵押贷款重貸利率下降。 30 年期固定重貸平均资利率为 3.13%,在过去 7 天内下降了 2 个基点。 一个月前,30 年期固定重貸平均资利率比較高,为 3.15%。 15 年期重貸的平均利率目前为 2.44%,较上周同期下降 1 个基点。

道指跳涨 440 点创纪录,从单日下滑中反弹。 周五,三大股指均创下历史新高,因担心全球经济增长放缓而从前一交易日的跌幅中反弹。 周五的复出使本周的所有三个主要平均指数都处于绿色状态。 道指本周上涨 0.25%。 自周一以来,标准普尔 500 指数和纳斯达克指数分别上涨了 0.4% 和 0.4%。

根据抵押贷款银行家协会的季节性调整指数,上周抵押贷款申请下降了 1.8%,表明对新房购买和房屋再融资的兴趣处于 2020 年初大流行爆发之前的最低水平。尽管超低利率应该会推动 专家表示,随着需求的增加,房屋稀缺且价格越来越高——这导致潜在买家退出市场。


Economic Calendar

Report Period Estimate Impact
Date: Tue. Jul. 13
Consumer Price Index (CPI) Jun 0.4% High
Core Consumer Price Index (CPI) Jun 0.4% High
Date: Wed. Jul. 14
Core Producer Price Index (PPI) Jun 0.5% Moderate
Producer Price Index (PPI) Jun 0.5% Moderate
Date: Thu. Jul. 15
Empire State Index Jul 18.0 Moderate
Jobless Claims (Initial) 7/10 363K Moderate
Philadelphia Fed Index Jul 29.8 High
Date: Fri. Jul. 16
Retail Sales Jun 0.2% High
Retail Sales ex-auto Jun 0.3% High
Consumer Sentiment Index (UoM) Jul 79.0 Moderate

Daily rate based on: SFR/Primary/LTV60/FICO 780/Purchase
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.

Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction’s specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.

APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as “points”), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.

Golden Star, Inc. dba Transglobal Lending, 185 W. Chestnut Ave., Monrovia, CA 91016, NMLS # 1437002 ( All rights reserved. Equal Opportunity Employer and Equal Housing Lender. All mortgage products are subject to credit property approval. Rates, Program terms and conditions are subject to change without notice. Additional conditions, qualifications, and restrictions may apply. This is not an offer for extension of credit or a commitment to lend.