SUMMARY:今天(9月15日星期五)的房贷利率价格受这两天股市利好的影响,和昨天相比持平。
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 $424K, High-Balance Loan $636K, 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 |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.125 |
3.375 |
>$424K |
3.950 |
3.250 |
3.875 |
------ |
3.500 |
3.750 |
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.625 |
3.875 |
>$424K |
4.375 |
3.750 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.670 |
2.973 |
3.534 |
2.965 |
3.034 |
3.179 |
|
>$424K |
3.800 |
3.125 |
3.750 |
------ |
3.375 |
3.500 |
APR |
3.831 |
3.189 |
3.804 |
------ |
3.402 |
3.524 |
|
Jumbo |
3.750 |
3.375 |
4.125 |
------ |
3.250 |
3.250 |
APR |
3.779 |
3.419 |
4.151 |
------ |
3.264 |
3.280 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.130 |
3.474 |
3.924 |
3.519 |
3.411 |
3.662 |
|
******************************* MARYLAND *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.750 |
3.000 |
3.625 |
3.000 |
3.125 |
3.375 |
>$424K |
4.000 |
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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.500 |
3.750 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.642 |
2.923 |
3.483 |
2.892 |
3.006 |
3.151 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.759 |
3.483 |
4.117 |
------ |
3.261 |
3.373 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.375 |
3.500 |
3.375 |
3.375 |
3.625 |
APR |
4.101 |
3.423 |
3.488 |
3.445 |
3.384 |
3.634 |
|
******************************* VIRGINIA *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K. 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 |
<=$424K |
3.875 |
3.125 |
3.625 |
3.125 |
3.375 |
3.625 |
>$424K |
4.125 |
3.750 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.950 |
3.250 |
3.750 |
3.250 |
3.750 |
3.875 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.635 |
2.929 |
3.488 |
2.902 |
3.010 |
3.155 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.761 |
3.487 |
4.121 |
------ |
3.263 |
3.375 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.031 |
3.430 |
3.890 |
3.455 |
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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
4.125 |
3.990 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.625 |
3.875 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.625 |
3.875 |
3.625 |
------ |
4.375 |
>$424K |
4.125 |
3.875 |
4.375 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.640 |
2.937 |
3.507 |
2.914 |
3.034 |
3.179 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.858 |
3.484 |
4.122 |
------ |
3.261 |
3.373 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.036 |
3.438 |
3.896 |
3.467 |
3.432 |
3.683 |
|
******************************* FLORIDA *******************************
(Based on Conforming Loan $200K, Jumbo 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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
4.250 |
>$424K |
4.250 |
4.125 |
4.750 |
------ |
4.250 |
4.125 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.500 |
4.000 |
3.500 |
------ |
------ |
>$424K |
4.375 |
4.375 |
4.750 |
------ |
4.250 |
4.250 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.649 |
2.953 |
3.523 |
2.936 |
3.033 |
3.178 |
|
>$424K |
3.875 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.861 |
3.489 |
4.122 |
------ |
3.264 |
3.376 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.045 |
3.454 |
3.909 |
3.490 |
3.432 |
3.683 |
|
******************************* GEORGIA *******************************
(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 |
<=$424K |
3.875 |
3.250 |
3.750 |
3.250 |
4.125 |
4.125 |
>$424K |
4.125 |
3.875 |
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 |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
------ |
4.500 |
>$424K |
4.250 |
4.000 |
4.500 |
------ |
3.750 |
3.875 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.663 |
2.978 |
3.542 |
2.973 |
3.047 |
3.192 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.767 |
3.499 |
4.130 |
------ |
3.269 |
3.381 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.000 |
3.375 |
3.875 |
3.375 |
3.375 |
3.625 |
APR |
4.060 |
3.480 |
3.929 |
3.527 |
3.447 |
3.698 |
|
******************************* WASHINGTON *******************************
(Based on Conforming Loan $424K, High-Balance Loan $636K, 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 |
<=$424K |
3.750 |
3.000 |
3.500 |
3.000 |
3.125 |
3.375 |
>$424K |
4.000 |
3.625 |
4.250 |
------ |
3.500 |
3.625 |
Jumbo |
3.875 |
3.500 |
4.250 |
------ |
3.375 |
3.500 |
|
PRIMARY RESIDENCE - CASH-OUT REFINANCE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.875 |
3.250 |
3.750 |
3.125 |
3.500 |
3.750 |
>$424K |
4.000 |
3.750 |
4.250 |
------ |
3.500 |
3.750 |
|
PRIMARY RESIDENCE - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
3.625 |
2.875 |
3.500 |
2.875 |
3.000 |
3.125 |
APR |
3.641 |
2.922 |
3.487 |
2.891 |
3.006 |
3.151 |
|
>$424K |
3.750 |
3.500 |
4.125 |
------ |
3.250 |
3.375 |
APR |
3.758 |
3.482 |
4.117 |
------ |
3.260 |
3.372 |
|
Jumbo |
3.750 |
3.375 |
4.125 |
------ |
3.250 |
3.250 |
APR |
3.749 |
3.366 |
4.109 |
------ |
3.236 |
3.251 |
|
INVESTMENT PROPERTY - PURCHASE: |
|
30-Yr |
15-Yr |
20-Yr |
10-Yr |
5/1 ARM |
7/1 ARM |
<=$424K |
4.125 |
3.375 |
3.500 |
3.375 |
3.375 |
3.625 |
APR |
4.100 |
3.422 |
3.487 |
3.444 |
3.383 |
3.633 |
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.
For scenarios outside the above assumptions, please contact local loan officers for case inquiry.
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
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