SUMMARY:今天(12月02日 星期五)开盘时的房贷利率价格和上个工作日相比稍微下降 。目前重新贷款40万左右的利率,30年固定利率下降至4.000%,15年固定利率稳定至 3.250%,5/1 ARM上升至3.375%。购房贷款40万左右,30年固定的利率下降至3.990%, 15年固定利率下降至3.125%,5/1 ARM下降至3.125%. 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 | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 | >$417K | 4.250 | 3.375 | 4.000 | 3.375 | 3.625 | 3.750 | Jumbo | 4.250 | 3.750 | ------ | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 3.625 | 3.990 | >$417K | 4.625 | ------ | 4.125 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.990 | 3.125 | 3.750 | 3.125 | 3.125 | 3.375 | APR | 4.030 | 3.223 | 3.759 | 3.163 | 3.156 | 3.407 | | >$417K | 4.125 | 3.250 | 4.000 | 3.250 | 3.375 | 3.500 | APR | 4.154 | 3.321 | 4.011 | 3.347 | 3.413 | 3.536 | | Jumbo | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.138 | 3.643 | ------ | ------ | 3.275 | 3.394 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | 4.375 | APR | 4.297 | 3.669 | 4.129 | 3.689 | ------ | 4.417 | | ******************************* 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 | 4.000 | 3.250 | 3.875 | 3.125 | 3.375 | 3.625 | >$417K | 4.250 | 3.875 | ------ | ------ | 3.500 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.990 | 3.375 | 3.625 | 3.875 | >$417K | 4.375 | ------ | ------ | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.971 | 3.160 | 3.706 | 3.049 | 3.010 | 3.276 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.134 | 3.636 | ------ | ------ | 3.263 | 3.391 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | 3.875 | 4.250 | APR | 4.278 | 3.637 | 4.028 | 3.642 | 3.904 | 4.273 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.500 | 3.750 | >$417K | 4.375 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 3.990 | 3.500 | 3.875 | 4.125 | >$417K | 4.500 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.125 | 3.750 | 3.125 | 2.990 | 3.250 | APR | 3.975 | 3.166 | 3.711 | 3.058 | 3.014 | 3.280 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.137 | 3.641 | ------ | ------ | 3.266 | 3.393 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 3.990 | 3.625 | 3.875 | 4.250 | APR | 4.271 | 3.644 | 4.033 | 3.652 | 3.908 | 4.277 | | ******************************* 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 | 4.125 | 3.375 | 3.990 | 3.375 | 3.750 | 4.125 | >$417K | 4.375 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 2.990 | 3.375 | APR | 3.921 | 3.206 | 3.749 | 3.124 | 3.041 | 3.400 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.135 | 3.637 | ------ | ------ | 3.262 | 3.390 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.125 | 3.500 | ------ | 4.375 | APR | 4.276 | 3.600 | 4.119 | 3.645 | ------ | 4.410 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.500 | ------ | ------ | >$417K | 4.500 | ------ | ------ | ------ | ------ | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.750 | ------ | ------ | >$417K | 4.625 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.750 | 3.125 | 3.125 | 3.375 | APR | 3.930 | 3.207 | 3.767 | 3.117 | 3.162 | 3.413 | | >$417K | 4.125 | 3.625 | ------ | ------ | 3.250 | 3.375 | APR | 4.137 | 3.642 | ------ | ------ | 3.266 | 3.394 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | 4.375 | APR | 4.285 | 3.668 | 4.137 | 3.687 | ------ | 4.423 | 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 |