SUMMARY:今天(11月09日 星期三)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年固定利率上升至3.625%,15年固定利率稳定在 2.750%,5/1 ARM上升至3.125%。购房贷款40万左右,30年固定的利率上升至3.450%, 15年固定利率上升至2.750%,5/1 ARM上升至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 | 2.750 | 3.375 | 2.750 | 3.125 | 3.375 | >$417K | 3.800 | 3.125 | 3.625 | 3.125 | 3.375 | 3.375 | Jumbo | 3.875 | 3.250 | ------ | ------ | 3.125 | 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 | 3.500 | 2.875 | 3.375 | 3.625 | >$417K | 4.125 | 3.625 | 4.125 | 3.750 | 3.500 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.450 | 2.750 | 3.250 | 2.750 | 2.875 | 3.125 | APR | 3.499 | 2.745 | 3.309 | 2.761 | 2.905 | 3.146 | | >$417K | 3.625 | 2.875 | 3.500 | 2.875 | 3.125 | 3.250 | APR | 3.658 | 2.955 | 3.564 | 2.973 | 3.156 | 3.271 | | Jumbo | 3.625 | 3.000 | ------ | ------ | 3.000 | 3.000 | APR | 3.659 | 3.060 | ------ | ------ | 3.019 | 3.033 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.000 | 3.750 | APR | 3.910 | 3.223 | 3.662 | 3.268 | 3.046 | 3.801 | | ******************************* 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 | 3.625 | 2.750 | 3.375 | 2.750 | 3.000 | 3.250 | >$417K | 3.875 | 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.250 | 3.500 | >$417K | 4.000 | ------ | ------ | ------ | 3.250 | 3.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.450 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 | APR | 3.461 | 2.678 | 3.256 | 2.670 | 2.776 | 3.009 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.743 | 3.129 | ------ | ------ | 3.005 | 3.126 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 | APR | 3.882 | 3.155 | 3.608 | 3.195 | 3.632 | 3.762 | | ******************************* 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 | 3.625 | 2.875 | 3.500 | 2.875 | 3.125 | 3.375 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.000 | 3.500 | 3.000 | 3.500 | 3.625 | >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.450 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 | APR | 3.464 | 2.685 | 3.261 | 2.679 | 2.779 | 3.013 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.745 | 3.133 | ------ | ------ | 3.008 | 3.129 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 | APR | 3.875 | 3.161 | 3.613 | 3.204 | 3.636 | 3.766 | | ******************************* 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 | 2.875 | 3.250 | 3.625 | >$417K | 4.000 | ------ | ------ | ------ | ------ | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.750 | 3.875 | >$417K | 4.125 | ------ | ------ | ------ | ------ | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.375 | 2.750 | 3.250 | 2.625 | 2.750 | 2.990 | APR | 3.420 | 2.723 | 3.299 | 2.745 | 2.788 | 3.040 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.743 | 3.130 | ------ | ------ | 3.004 | 3.126 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 | APR | 3.796 | 3.188 | 3.652 | 3.216 | 3.663 | 3.794 | | ******************************* 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 | 3.125 | 3.625 | 3.125 | 3.750 | 3.875 | >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.250 | 3.750 | 3.250 | ------ | 4.375 | >$417K | 4.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 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 | 3.125 | APR | 3.429 | 2.738 | 3.316 | 2.738 | 2.903 | 3.151 | | >$417K | 3.750 | 3.125 | ------ | ------ | 3.000 | 3.125 | APR | 3.746 | 3.134 | ------ | ------ | 3.008 | 3.129 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 3.125 | 3.625 | 3.125 | 3.625 | 3.750 | APR | 3.805 | 3.203 | 3.669 | 3.239 | 3.676 | 3.806 | 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 |