SUMMARY:今天(09月12日 星期一)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年固定利率上升刀3.450%,15年固定利率稳定在2.750%, 5/1 ARM稳定在3.000%。购房贷款40万左右,30年固定的利率稳定在3.250%,15年固定 利率上升在2.625%,5/1 ARM稳定在2.750% 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 3.000 3.250 >$417K 3.625 2.875 3.500 2.875 3.375 3.375 Jumbo 4.000 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 3.500 2.875 3.375 2.750 3.250 3.500 >$417K 3.990 3.500 3.875 ------ 3.500 3.375 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.389 2.663 3.165 2.589 2.789 2.924 >$417K 3.500 2.750 3.375 2.750 3.000 3.125 APR 3.516 2.789 3.391 2.813 3.040 3.166 Jumbo 3.875 3.375 ----- ----- 3.125 3.125 APR 3.908 3.414 ----- ----- 3.157 3.143 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 3.000 3.625 3.625 APR 3.680 3.076 3.510 3.064 3.665 3.676 ******************************** 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 3.500 2.875 3.375 2.750 3.125 3.500 >$417K 4.625 ----- ------ ----- 3.500 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 3.125 3.500 3.125 3.750 3.750 >$417K 4.625 ----- ------ ------- 3.500 ----- PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.360 2.658 3.157 2.550 2.778 2.923 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.882 3.386 ----- ------ 3.122 3.118 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.625 APR 3.650 3.070 3.505 2.992 3.658 3.673 ******************************** MARYLAND******************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 3.450 2.750 3.250 2.625 2.875 3.125 >$417K 4.000 3.625 ------ ----- 3.250 3.250 PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.500 2.875 3.250 2.750 3.125 3.500 >$417K 4.000 3.625 ------ ------- 3.375 3.250 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.360 2.603 3.110 2.448 2.762 2.897 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.884 3.389 ----- ------ 3.124 3.120 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 3.000 3.625 3.625 APR 3.649 3.015 3.487 2.991 3.631 3.641 ******************************** VIRGINIA ******************************** (Based on Conforming Loan $380K, High-Balance Loan $550K. 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 4.625 ------ ------ ------ 3.500 ---- - 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 2.875 3.375 3.625 >$417K 4.625 ------ ------ ------ 3.500 ---- - PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.272 2.610 3.115 2.485 2.766 2.901 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.887 3.393 ----- ------ 3.126 3.122 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 3.000 3.625 3.625 APR 3.646 3.021 3.493 3.001 3.634 3.645 ******************************** 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 3.625 3.000 3.500 2.875 3.750 3.750 >$417K ----- ----- ------ ------ 3.750 ----- PRIMARY RESIDENCE - CASH-OUT REFINANCE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.750 3.125 3.625 3.000 ----- 4.250 >$417K 4.125 4.125 ------ ------ ----- 3.625 PRIMARY RESIDENCE - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.375 2.625 3.125 2.500 2.750 2.875 APR 3.296 2.671 3.186 2.541 2.785 2.920 >$417K 3.875 3.375 ----- ------ 3.125 3.125 APR 3.887 3.394 ----- ------ 3.127 3.123 INVESTMENT PROPERTY - PURCHASE: 30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM <=$417K 3.625 2.990 3.500 2.875 3.625 3.750 APR 3.659 3.092 3.523 3.015 3.675 3.790 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。 奇虎贷款NMLS ID: 1169300 |