SUMMARY:今天(12月12日 星期一)开盘时的房贷利率价格和上个工作日相比略微上涨
。目前重新贷款40万左右的利率,30年固定利率上涨在4.125%,15年固定利率稳定至
3.250%,5/1 ARM稳定在3.500%。购房贷款40万左右,30年固定的利率上涨在4.000%,
15年固定利率上涨在3.250%,5/1 ARM稳定在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 |
4.125 |
3.250 |
3.875 |
3.250 |
3.500 |
3.750 |
>$417K |
4.250 |
3.500 |
4.125 |
3.500 |
3.750 |
3.750 |
Jumbo |
4.375 |
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 |
4.000 |
3.375 |
3.750 |
4.125 |
>$417K |
4.500 |
------ |
4.625 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
4.011 |
3.222 |
3.793 |
3.132 |
3.163 |
3.419 |
|
>$417K |
4.200 |
3.375 |
4.000 |
3.625 |
3.375 |
3.500 |
APR |
4.222 |
3.418 |
4.014 |
3.697 |
3.418 |
3.543 |
|
Jumbo |
4.250 |
3.625 |
------ |
------ |
3.250 |
3.500 |
APR |
4.254 |
3.678 |
------ |
------ |
3.291 |
3.519 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.250 |
3.625 |
------ |
4.375 |
APR |
4.401 |
3.669 |
4.256 |
3.689 |
------ |
4.430 |
|
******************************* 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 |
3.250 |
3.375 |
3.500 |
>$417K |
4.375 |
4.000 |
------ |
------ |
3.625 |
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 |
4.000 |
3.375 |
3.625 |
3.990 |
>$417K |
4.375 |
4.125 |
------ |
------ |
3.625 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.000 |
2.990 |
3.375 |
APR |
3.982 |
3.172 |
3.754 |
3.059 |
3.017 |
3.381 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.250 |
3.500 |
APR |
4.247 |
3.745 |
------ |
------ |
3.267 |
3.495 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.250 |
3.625 |
------ |
4.375 |
APR |
4.371 |
3.619 |
4.216 |
3.616 |
------ |
4.389 |
|
******************************* 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 |
4.000 |
3.250 |
3.500 |
3.875 |
>$417K |
4.500 |
4.125 |
------ |
------ |
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 |
4.125 |
3.500 |
3.875 |
4.250 |
>$417K |
4.625 |
------ |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.000 |
2.990 |
3.375 |
APR |
3.980 |
3.178 |
3.759 |
3.069 |
3.020 |
3.385 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.250 |
3.500 |
APR |
4.249 |
3.750 |
------ |
------ |
3.270 |
3.498 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
4.250 |
3.625 |
------ |
4.375 |
APR |
4.282 |
3.625 |
4.221 |
3.626 |
------ |
4.393 |
|
******************************* 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 |
4.000 |
3.375 |
3.875 |
4.250 |
>$417K |
4.500 |
4.125 |
------ |
------ |
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 |
3.750 |
------ |
------ |
>$417K |
4.625 |
------ |
------ |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.932 |
3.206 |
3.792 |
3.131 |
3.156 |
3.412 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.250 |
3.500 |
APR |
4.245 |
3.746 |
------ |
------ |
3.266 |
3.494 |
|
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 |
4.287 |
3.582 |
4.190 |
3.619 |
------ |
4.422 |
|
******************************* 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 |
4.625 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.625 |
4.250 |
3.625 |
------ |
------ |
>$417K |
4.750 |
------ |
------ |
------ |
------ |
------ |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.125 |
3.750 |
3.000 |
3.125 |
3.375 |
APR |
3.985 |
3.222 |
3.758 |
3.068 |
3.168 |
3.424 |
|
>$417K |
4.250 |
3.750 |
------ |
------ |
3.250 |
3.500 |
APR |
4.250 |
3.750 |
------ |
------ |
3.270 |
3.498 |
|
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 |
4.296 |
3.598 |
4.192 |
3.642 |
------ |
4.435 |
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
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