UMMARY:今天(06月06日 星期二)开盘时的房贷利率价格和上个工作日相比持平。目 前重新贷款40万左右的利率,30年固定利率稳定在3.875%,15年固定利率稳定在3. 125%,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2.990%,5/1 ARM稳定在2.990%. 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 | 3.875 | 3.125 | 3.500 | 2.875 | 3.125 | 3.375 | >$417K | 3.950 | 3.250 | 3.750 | 3.250 | 3.500 | 3.625 | Jumbo | 4.000 | 3.375 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.500 | 3.625 | >$417K | 4.000 | 3.625 | 4.125 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.990 | 3.375 | 2.750 | 2.875 | 3.125 | APR | 3.765 | 3.032 | 3.414 | 2.821 | 2.928 | 3.159 | | >$417K | 3.750 | 3.125 | 3.625 | 3.000 | 3.250 | 3.375 | APR | 3.778 | 3.142 | 3.677 | 3.074 | 3.280 | 3.400 | | Jumbo | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.880 | 3.361 | 4.147 | ------ | 3.276 | 3.291 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.750 | 3.375 | 3.625 | 3.750 | APR | 4.150 | 3.546 | 3.820 | 3.466 | 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 | 3.125 | 3.500 | 2.875 | 3.125 | 3.375 | >$417K | 4.000 | 3.500 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.125 | 3.375 | 3.500 | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.500 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 | APR | 3.732 | 2.921 | 3.372 | 2.749 | 2.901 | 3.121 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.857 | 3.355 | 4.112 | ------ | 3.357 | 3.376 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 | APR | 4.121 | 3.420 | 3.778 | 3.392 | 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 | 3.875 | 3.250 | 3.500 | 3.000 | 3.250 | 3.500 | >$417K | 4.125 | 3.625 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.950 | 3.250 | 3.625 | 3.250 | 3.625 | 3.625 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.750 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 | APR | 3.730 | 2.927 | 3.369 | 2.732 | 2.904 | 3.125 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.859 | 3.359 | 4.116 | ------ | 3.360 | 3.379 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.375 | 3.750 | 3.375 | 3.625 | 3.750 | APR | 4.115 | 3.426 | 3.774 | 3.402 | 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 | 3.875 | 3.250 | 3.625 | 3.125 | 3.375 | 3.625 | >$417K | 4.125 | 3.625 | 4.375 | ------ | 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 | 3.500 | 3.750 | 3.375 | 4.000 | 3.875 | >$417K | 4.250 | 3.750 | 4.375 | ------ | 3.625 | 3.625 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 | APR | 3.671 | 2.955 | 3.399 | 2.830 | 2.914 | 3.152 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.855 | 3.356 | 4.116 | ------ | 3.356 | 3.375 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.750 | 3.250 | 3.625 | 3.750 | APR | 4.047 | 3.457 | 3.805 | 3.368 | 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 | 4.000 | 3.375 | 3.750 | 3.250 | 4.000 | 3.875 | >$417K | 4.250 | 4.000 | 4.625 | ------ | 3.750 | 3.875 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.125 | 3.500 | 3.875 | 3.500 | ------ | 4.125 | >$417K | 4.375 | 4.000 | 4.625 | ------ | 3.875 | 3.875 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.375 | 2.750 | 2.875 | 3.125 | APR | 3.679 | 2.971 | 3.423 | 2.846 | 2.927 | 3.164 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.375 | 3.375 | APR | 3.860 | 3.360 | 4.116 | ------ | 3.360 | 3.379 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.250 | 3.625 | 3.750 | APR | 4.056 | 3.472 | 3.891 | 3.391 | 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 |