SUMMARY:今天(04月20日 星期四)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年固定利率上升到3.950%,15年固定利率下降到3.
250%,5/1 ARM稳定在3.125%。购房贷款40万左右,30年固定的利率稳定在3.750%,
15年固定利率稳定在3.000%,5/1 ARM上升到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 |
3.950 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$417K |
4.125 |
3.250 |
3.875 |
3.250 |
3.625 |
3.625 |
Jumbo |
4.125 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
>$417K |
4.250 |
3.750 |
4.250 |
------ |
3.750 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.500 |
3.000 |
3.000 |
3.250 |
APR |
3.806 |
3.080 |
3.546 |
3.037 |
3.034 |
3.274 |
|
>$417K |
4.000 |
3.125 |
3.875 |
3.125 |
3.250 |
3.500 |
APR |
4.029 |
3.208 |
3.890 |
3.242 |
3.279 |
3.531 |
|
Jumbo |
4.000 |
3.375 |
4.125 |
------ |
3.375 |
3.500 |
APR |
4.016 |
3.449 |
4.147 |
------ |
3.410 |
3.507 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.950 |
3.375 |
3.625 |
3.750 |
APR |
4.182 |
3.563 |
3.980 |
3.492 |
3.657 |
3.782 |
|
******************************* 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 |
3.875 |
3.250 |
3.625 |
3.125 |
3.125 |
3.375 |
>$417K |
4.125 |
3.750 |
4.250 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.000 |
3.250 |
3.750 |
3.250 |
3.625 |
3.625 |
>$417K |
4.250 |
3.750 |
4.250 |
------ |
3.625 |
3.625 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.750 |
3.000 |
3.500 |
2.875 |
2.990 |
3.250 |
APR |
3.777 |
3.030 |
3.504 |
2.923 |
3.012 |
3.247 |
|
>$417K |
4.000 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
4.006 |
3.505 |
4.112 |
------ |
3.386 |
3.483 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.500 |
3.375 |
3.625 |
3.750 |
APR |
4.153 |
3.512 |
3.496 |
3.419 |
3.628 |
3.753 |
|
******************************* 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 |
3.950 |
3.250 |
3.625 |
3.125 |
3.250 |
3.500 |
>$417K |
4.250 |
3.875 |
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 |
4.125 |
3.375 |
3.625 |
3.250 |
3.750 |
3.875 |
>$417K |
4.375 |
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 |
3.750 |
3.000 |
3.500 |
2.875 |
2.990 |
3.250 |
APR |
3.771 |
3.036 |
3.501 |
2.933 |
3.016 |
3.250 |
|
>$417K |
4.000 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
4.009 |
3.509 |
4.116 |
------ |
3.388 |
3.485 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.500 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.146 |
3.519 |
3.902 |
3.428 |
3.632 |
3.757 |
|
******************************* 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 |
4.000 |
3.250 |
3.750 |
3.250 |
3.625 |
3.750 |
>$417K |
4.250 |
3.875 |
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 |
3.875 |
3.500 |
4.125 |
4.125 |
>$417K |
4.375 |
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 |
3.750 |
3.000 |
3.500 |
2.875 |
3.000 |
3.250 |
APR |
3.775 |
3.045 |
3.531 |
2.971 |
3.034 |
3.275 |
|
>$417K |
4.000 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
4.004 |
3.506 |
4.116 |
------ |
3.384 |
3.481 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.125 |
3.375 |
3.875 |
3.375 |
3.625 |
3.750 |
APR |
4.151 |
3.475 |
3.933 |
3.440 |
3.672 |
3.798 |
|
******************************* 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 |
3.625 |
3.875 |
3.500 |
4.125 |
4.125 |
>$417K |
4.500 |
4.250 |
4.625 |
------ |
3.875 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.375 |
3.750 |
4.125 |
3.625 |
4.375 |
4.375 |
>$417K |
4.500 |
4.375 |
4.625 |
------ |
4.000 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
3.875 |
3.125 |
3.500 |
2.875 |
3.125 |
3.250 |
APR |
3.894 |
3.170 |
3.555 |
2.992 |
3.151 |
3.294 |
|
>$417K |
4.000 |
3.500 |
4.125 |
------ |
3.375 |
3.500 |
APR |
4.009 |
3.510 |
4.116 |
------ |
3.389 |
3.486 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$417K |
4.250 |
3.625 |
3.950 |
3.625 |
3.625 |
3.750 |
APR |
4.283 |
3.675 |
3.989 |
3.694 |
3.673 |
3.798 |
*
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
|