SUMMARY:今天(03月17日 星期五)开盘时的房贷利率价格和上个工作日相比降低 。目前重新贷款40万左右的利率,30年固定利率下降在4.125%,15年固定利率稳定在3. 375%,5/1 ARM下降至3.250%。购房贷款40万左右,30年固定的利率下降在4.050%, 15年固定利率稳定在3.250%,5/1 ARM稳定至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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.250 | 3.375 | 4.125 | 3.500 | 3.875 | 4.000 | Jumbo | 4.375 | 4.000 | 4.500 | ------ | 3.750 | 3.875 | | 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 | 3.375 | 3.625 | 3.875 | >$417K | 4.250 | 4.125 | 4.500 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.050 | 3.250 | 3.875 | 3.125 | 3.125 | 3.375 | APR | 4.106 | 3.294 | 3.879 | 3.248 | 3.156 | 3.409 | | >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.625 | 3.750 | APR | 4.168 | 3.389 | 4.048 | 3.354 | 3.658 | 3.786 | | Jumbo | 4.375 | 3.875 | 4.375 | ------ | 3.625 | 3.625 | APR | 4.378 | 3.926 | 4.398 | ------ | 3.643 | 3.665 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 | APR | 4.505 | 3.832 | 4.295 | 3.743 | 3.907 | 4.032 | | ******************************* 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 | 4.125 | 3.375 | 3.875 | 3.250 | 3.250 | 3.500 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.500 | 4.000 | 3.375 | 3.500 | 3.750 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.050 | 3.250 | 3.750 | 3.125 | 3.125 | 3.375 | APR | 4.066 | 3.244 | 3.774 | 3.133 | 3.124 | 3.374 | | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 | APR | 4.353 | 3.986 | 4.362 | ------ | 3.619 | 3.641 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 | APR | 4.476 | 3.780 | 4.252 | 3.669 | 3.878 | 4.003 | | ******************************* 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 | 4.250 | 3.375 | 3.950 | 3.375 | 3.375 | 3.625 | >$417K | 5.000 | 4.250 | 4.625 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 | >$417K | 5.000 | 4.250 | 4.625 | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.125 | 3.375 | APR | 4.031 | 3.250 | 3.780 | 3.143 | 3.128 | 3.377 | | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 | APR | 4.355 | 3.990 | 4.366 | ------ | 3.622 | 3.644 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.450 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 | APR | 4.480 | 3.787 | 4.249 | 3.679 | 3.882 | 4.007 | | ******************************* 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 | 4.250 | 3.500 | 4.125 | 3.375 | 3.500 | 3.750 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 4.000 | 4.000 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.750 | 4.250 | 3.750 | ------ | 4.250 | >$417K | 5.000 | 4.375 | 4.625 | ------ | 4.000 | 4.125 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.750 | 3.125 | 3.000 | 3.375 | APR | 4.036 | 3.259 | 3.811 | 3.209 | 3.039 | 3.394 | | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 | APR | 4.351 | 3.983 | 4.366 | ------ | 3.617 | 3.639 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.625 | 4.250 | 3.500 | 3.750 | 4.000 | APR | 4.423 | 3.726 | 4.280 | 3.645 | 3.796 | 4.048 | | ******************************* 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 | 4.375 | 3.625 | 4.250 | 3.500 | ------ | 4.375 | >$417K | 5.250 | 4.625 | 4.875 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.500 | 3.875 | 4.375 | 3.750 | ------ | ------ | >$417K | 5.250 | 4.625 | 4.875 | ------ | 4.375 | 4.375 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.250 | 3.875 | 3.125 | 3.125 | 3.375 | APR | 4.045 | 3.274 | 3.884 | 3.202 | 3.155 | 3.408 | | >$417K | 4.375 | 4.000 | 4.375 | ------ | 3.625 | 3.625 | APR | 4.356 | 3.991 | 4.366 | ------ | 3.622 | 3.644 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.375 | 3.750 | 4.250 | 3.625 | 3.875 | 4.000 | APR | 4.432 | 3.811 | 4.284 | 3.714 | 3.924 | 4.049 | 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 |