SUMMARY:今天(04月11日 星期二)开盘时的房贷利率价格和上个工作日相比略微下降 。目前重新贷款40万左右的利率,30年固定利率稳定在4.000%,15年固定利率稳定在3. 250%,5/1 ARM稳定在3.250%。购房贷款40万左右,30年固定的利率下降在3.875%, 15年固定利率下降在3.125%,5/1 ARM稳定在3.000%. 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 | 3.750 | 3.250 | 3.250 | 3.375 | >$417K | 4.125 | 3.375 | 4.000 | 3.250 | 3.750 | 3.750 | Jumbo | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.375 | 3.875 | 4.375 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.921 | 3.223 | 3.675 | 3.077 | 3.053 | 3.274 | | >$417K | 4.000 | 3.250 | 3.875 | 3.250 | 3.375 | 3.625 | APR | 4.028 | 3.281 | 3.906 | 3.208 | 3.421 | 3.661 | | Jumbo | 4.000 | 3.500 | 4.250 | ------ | 3.500 | 3.500 | APR | 4.043 | 3.566 | 4.272 | ------ | 3.520 | 3.540 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.286 | 3.669 | 4.131 | 3.591 | 3.782 | 3.907 | | ******************************* 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 | 3.750 | 3.125 | 3.250 | 3.375 | >$417K | 4.250 | 3.875 | 4.375 | ------ | 3.625 | 3.750 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.250 | 4.000 | 4.375 | ------ | 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 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.892 | 3.165 | 3.633 | 2.992 | 3.026 | 3.247 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 | APR | 4.111 | 3.624 | 4.237 | ------ | 3.496 | 3.515 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.625 | 3.875 | APR | 4.257 | 3.619 | 4.091 | 3.517 | 3.628 | 3.878 | | ******************************* 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 | 4.000 | 3.250 | 3.750 | 3.250 | 3.375 | 3.500 | >$417K | 4.375 | 4.000 | 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 | 4.125 | 3.500 | 3.875 | 3.375 | 3.750 | 3.875 | >$417K | 4.500 | 4.125 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.886 | 3.171 | 3.629 | 3.001 | 3.030 | 3.250 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 | APR | 4.114 | 3.628 | 4.241 | ------ | 3.498 | 3.518 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.500 | 3.750 | 3.875 | APR | 4.250 | 3.625 | 4.096 | 3.527 | 3.757 | 3.882 | | ******************************* 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 | 3.875 | 3.250 | 3.625 | 3.750 | >$417K | 4.375 | 4.000 | 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 | 3.625 | 4.000 | 3.625 | ------ | 4.750 | >$417K | 4.500 | 4.250 | 4.500 | ------ | 3.875 | 4.000 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 2.875 | 3.000 | 3.250 | APR | 3.890 | 3.188 | 3.660 | 2.982 | 3.054 | 3.275 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 | APR | 4.112 | 3.625 | 4.241 | ------ | 3.494 | 3.514 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 4.000 | 3.375 | 3.750 | 3.875 | APR | 4.182 | 3.582 | 4.079 | 3.520 | 3.798 | 3.923 | | ******************************* 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 | 4.125 | 3.500 | 4.000 | 3.375 | ------ | 4.750 | >$417K | 4.500 | 4.500 | 4.750 | ------ | 4.125 | 4.125 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.250 | 3.625 | 4.125 | 3.625 | ------ | ------ | >$417K | 4.625 | 4.500 | 4.750 | ------ | 4.250 | 4.250 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.000 | 3.250 | APR | 3.899 | 3.203 | 3.687 | 3.073 | 3.035 | 3.273 | | >$417K | 4.125 | 3.625 | 4.250 | ------ | 3.500 | 3.500 | APR | 4.114 | 3.629 | 4.241 | ------ | 3.499 | 3.518 | | 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 | 3.750 | 3.875 | APR | 4.264 | 3.598 | 4.115 | 3.562 | 3.798 | 3.924 | 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 |