SUMMARY:今天(08月23日 星期三)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3.75%,15年固定利率稳定在3. 000%,5/1 ARM降稳定至3.125%。购房贷款40万左右,30年固定的利率稳定在3.625%,15年固定利率稳定在2.875%,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 | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 | >$417K | 3.950 | 3.250 | 3.750 | 3.250 | 3.500 | 3.500 | Jumbo | 3.875 | 3.500 | 4.250 | ------ | 3.375 | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.500 | 3.000 | 3.625 | 3.750 | >$417K | 4.125 | 3.750 | 4.125 | ------ | 3.500 | 3.500 | | 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 | 3.000 | 3.125 | APR | 3.670 | 2.937 | 3.452 | 2.840 | 3.034 | 3.179 | | >$417K | 3.750 | 3.000 | 3.625 | 3.000 | 3.250 | 3.250 | APR | 3.790 | 3.084 | 3.679 | 3.104 | 3.275 | 3.291 | | Jumbo | 3.750 | 3.375 | 4.125 | ------ | 3.125 | 3.250 | APR | 3.794 | 3.410 | 4.151 | ------ | 3.153 | 3.260 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.057 | 3.456 | 3.924 | 3.466 | 3.411 | 3.662 | | ******************************* 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 | 3.750 | 3.000 | 3.500 | 2.875 | 3.125 | 3.375 | >$417K | 4.000 | 3.625 | 4.250 | ------ | 3.375 | 3.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.875 | 3.125 | 3.625 | 3.000 | 3.500 | 3.750 | >$417K | 4.000 | 3.750 | 4.250 | ------ | 3.375 | 3.375 | | 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 | 2.990 | 3.125 | APR | 3.642 | 2.887 | 3.410 | 2.767 | 3.020 | 3.151 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.863 | 3.404 | 4.117 | ------ | 3.237 | 3.244 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.028 | 3.405 | 3.884 | 3.392 | 3.384 | 3.634 | | ******************************* 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 | 3.750 | 3.125 | 3.625 | 3.000 | 3.375 | 3.500 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 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 | 3.750 | 3.125 | 3.750 | 3.875 | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.500 | | 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 | 2.990 | 3.125 | APR | 3.635 | 2.893 | 3.406 | 2.777 | 3.024 | 3.155 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.866 | 3.408 | 4.121 | ------ | 3.239 | 3.246 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.021 | 3.412 | 3.890 | 3.402 | 3.387 | 3.637 | | ******************************* 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 | 3.125 | 3.750 | 3.000 | 3.625 | 3.750 | >$417K | 4.125 | 3.750 | 4.375 | ------ | 3.500 | 3.500 | | 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 | 3.625 | ------ | 4.125 | >$417K | 4.125 | 3.875 | 4.375 | ------ | 3.625 | 3.500 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.750 | 3.375 | 2.750 | 3.000 | 3.125 | APR | 3.640 | 2.848 | 3.443 | 2.789 | 3.034 | 3.179 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.865 | 3.405 | 4.122 | ------ | 3.236 | 3.242 | | 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 | 3.375 | 3.990 | APR | 4.026 | 3.420 | 3.828 | 3.395 | 3.432 | 4.035 | | ******************************* 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 | ------ | 4.125 | >$417K | 4.250 | 4.000 | 4.750 | ------ | 3.750 | 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 | 4.000 | 3.500 | ------ | 4.500 | >$417K | 4.375 | 4.125 | 4.750 | ------ | 3.750 | 3.750 | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 3.625 | 2.875 | 3.500 | 2.750 | 3.000 | 3.125 | APR | 3.649 | 2.917 | 3.519 | 2.811 | 3.033 | 3.178 | | >$417K | 3.875 | 3.375 | 4.125 | ------ | 3.250 | 3.250 | APR | 3.867 | 3.409 | 4.122 | ------ | 3.240 | 3.247 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$417K | 4.000 | 3.375 | 3.875 | 3.375 | 3.375 | 3.625 | APR | 4.035 | 3.436 | 3.909 | 3.437 | 3.432 | 3.683 | 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 |